Buy Cheap Hot Springs, NC Auto Insurance (2021)

Hot Springs, NC auto insurance rates average $246 a month. Minimum auto insurance requirements in Hot Springs, North Carolina are 30/60/25 to comply with North Carolina laws. To buy cheap auto insurance in Hot Springs, NC, compare Hot Springs auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Hot Springs is Allstate
  • Average auto insurance rates in Hot Springs, NC are $246/month
  • The most expensive auto insurance company in Hot Springs after a DUI is Allstate

Finding affordable Hot Springs, North Carolina auto insurance can be challenging, but everything you need to know to buy cheap Hot Springs, NC auto insurance with confidence is right here. Auto insurance rates in Hot Springs are affected by local factors as well as personal ones like your driving record.

See how Hot Springs, NC car insurance rates compare to Wilmington auto insurance rates, Charlotte auto insurance rates, and High Point auto insurance rates before you read more about the cost of auto insurance in Hot Springs.

Don’t buy Hot Springs, NC auto insurance until you’ve compared rates. Get free Hot Springs, North Carolina auto insurance quotes when you enter your ZIP code above.

Hot Springs, NC Minimum Auto Insurance Requirements

The required auto insurance in Hot Springs, NC is 30/60/25 according to the auto insurance laws in North Carolina. The minimum auto insurance in Hot Springs, North Carolina is outlined here.

Minimum Required Auto Insurance Coverage in Hot Springs, North Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Hot Springs, NC Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Hot Springs, NC. Take a look at Hot Springs, North Carolina auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Hot Springs, North Carolina

Insurance Company Poor Fair Good
Allstate $8,861 $5,754 $5,019
GEICO $2,901 $2,658 $2,457
Liberty Mutual $1,866 $1,866 $1,866
Nationwide $2,446 $2,446 $2,446
Progressive $2,310 $2,020 $1,870
State Farm $3,352 $2,144 $1,666
Travelers $2,879 $2,606 $2,561

Buy Cheap Hot Springs, NC Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Hot Springs, North Carolina auto insurance rates? Find out how car insurance rates in Hot Springs, NC are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Hot Springs, North Carolina

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,968 $4,968 $4,074 $4,074 $12,070 $12,070 $5,066 $5,066
GEICO $2,276 $2,231 $2,238 $2,195 $4,261 $4,222 $1,983 $1,971
Liberty Mutual $1,552 $1,552 $1,606 $1,606 $2,754 $2,754 $1,552 $1,552
Nationwide $2,080 $2,080 $2,080 $2,080 $3,544 $3,544 $2,080 $2,080
Progressive $1,557 $1,557 $1,434 $1,434 $3,557 $3,557 $1,719 $1,719
State Farm $2,088 $2,088 $1,807 $1,807 $3,075 $3,075 $2,580 $2,580
Travelers $2,272 $2,272 $2,253 $2,253 $3,870 $3,870 $2,332 $2,332

Buy Cheap Hot Springs, NC Auto Insurance for Teen Drivers

Auto insurance for teenagers in Hot Springs can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Hot Springs, NC are listed here.

Annual Auto Insurance Rates for Teen Drivers in Hot Springs, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,070 $12,070
GEICO $4,261 $4,222
Liberty Mutual $2,754 $2,754
Nationwide $3,544 $3,544
Progressive $3,557 $3,557
State Farm $3,075 $3,075
Travelers $3,870 $3,870

Buy Cheap Hot Springs, NC Auto Insurance for Seniors

You can save on senior auto insurance rates in Hot Springs, North Carolina by comparing Hot Springs senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Hot Springs, NC here.

Annual Auto Insurance Rates for Senior Drivers in Hot Springs, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,074 $4,074
GEICO $2,238 $2,195
Liberty Mutual $1,606 $1,606
Nationwide $2,080 $2,080
Progressive $1,434 $1,434
State Farm $1,807 $1,807
Travelers $2,253 $2,253

Find Cheap Auto Insurance Rates in Hot Springs, NC by Coverage Level

The amount of coverage you choose is a big factor in the cost of Hot Springs, North Carolina auto insurance. Compare Hot Springs, NC auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Hot Springs, North Carolina

Insurance Company Low Medium High
Allstate $6,349 $6,524 $6,761
GEICO $2,559 $2,663 $2,794
Liberty Mutual $1,783 $1,854 $1,960
Nationwide $2,355 $2,434 $2,548
Progressive $1,974 $2,054 $2,172
State Farm $2,306 $2,376 $2,481
Travelers $2,579 $2,668 $2,798

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Find Cheap Hot Springs, NC Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Hot Springs. Compare auto insurance rates in Hot Springs, NC by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Hot Springs, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,545 $6,545
GEICO $2,672 $2,672
Liberty Mutual $1,866 $1,866
Nationwide $2,446 $2,446
Progressive $2,067 $2,067
State Farm $2,379 $2,396
Travelers $2,682 $2,682

Find Cheap Hot Springs, NC Auto Insurance Rates by Driving Record

Auto insurance rates in Hot Springs, North Carolina are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Hot Springs, NC, take a look at the average cost for various violations versus rates for a clean driving record in Hot Springs.

Annual Hot Springs, North Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,557 $6,219 $11,600 $4,804
GEICO $1,492 $2,169 $5,019 $2,008
Liberty Mutual $1,114 $1,428 $3,492 $1,428
Nationwide $1,442 $1,862 $4,616 $1,862
Progressive $981 $1,437 $4,460 $1,389
State Farm $1,274 $1,840 $4,595 $1,840
Travelers $1,568 $2,106 $5,000 $2,053

Find Cheap Hot Springs, NC Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Hot Springs, North Carolina is higher than for a clean driving record. You can buy auto insurance after a DUI in Hot Springs for less when you shop around and compare rates from multiple Hot Springs, NC auto insurance companies.

Annual Auto Insurance Rates After a DUI in Hot Springs, North Carolina

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,600
GEICO $5,019
Liberty Mutual $3,492
Nationwide $4,616
Progressive $4,460
State Farm $4,595
Travelers $5,000

Winners by Category: Where to Buy Cheap Auto Insurance in Hot Springs, NC

Compare rates from the cheapest auto insurance companies in Hot Springs, NC for your needs. Take a look at how Hot Springs, North Carolina auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Hot Springs, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Liberty Mutual
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

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Find Cheap Hot Springs, North Carolina Auto Insurance Companies

If you’re looking for the cheapest Hot Springs, NC auto insurance companies overall, you can compare them here. Find the best price for Hot Springs, North Carolina car insurance by company.

Average Annual Auto Insurance Rates by Company in Hot Springs, North Carolina

Insurance Company Average Annual Rates
Allstate $6,545
GEICO $2,672
Liberty Mutual $1,866
Nationwide $2,446
Progressive $2,067
State Farm $2,387
Travelers $2,682

What affects Hot Springs, North Carolina auto insurance rates?

Local factors affect auto insurance rates in Hot Springs, NC, including traffic, theft statistics, and commute length. Take a look at the things that impact Hot Springs auto insurance rates.

Commute Times in Hot Springs

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Hot Springs, NC is 20.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Hot Springs, NC

You can buy cheap Hot Springs, NC auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Hot Springs, North Carolina auto insurance quotes from top companies.

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