Car Insurance in Hot Springs, AR

Affordable and reliable car insurance in Hot Springs, AR, helps you drive with peace of mind.
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Safe Driving in Hot Springs

Hot Springs, Arkansas, has a storied history that includes baseball spring training tales, gangsters, natural springs and various war efforts. About 38,109 people call the city home.

Hot Springs has public transit, but cars offer residents more flexibility in when and where they can go. As always, it is important to have car insurance if you own a car. About 12 people are involved in fatal accidents per year in the area. Driving as safely as possible goes a long way, and car insurance offers additional protection for both minor and major situations. You can use VIU by HUB to get quotes.

Fortunately, Hot Springs benefits from its location in the South. Drivers do not need to worry too much about ice and snow, although Hot Springs gets about 2 inches of snow per year.

Required Liability Auto Insurance in Arkansas

Arkansas liability laws hold drivers responsible for various expenses in at-fault accidents they cause. As a result, car owners must carry a basic amount of liability insurance. They can opt to expand that coverage and get other types of insurance for more protection.

This minimally required insurance offers 25/50/25 protection. It breaks down as follows:

  • $25,000 per at-fault accident for bodily injury for one person
  • $50,000 per at-fault accident for all bodily injuries caused to others
  • $25,000 per accident for property damage or destruction

You can get higher coverage limits such as 50/100/500. A rule of thumb is to have protection covering the worth of your assets in case you get sued. Many auto insurance experts recommend at least 100/300/100 liability coverage. 

Optional Car Insurance in Hot Springs, AR

If you want your own injuries and property to be covered, you can get collision and comprehensive insurance as well as uninsured and underinsured motorist coverage. Uninsured/underinsured may help in cases where another involved driver does not have the insurance to pay for your injuries or damage.

Lenders may mandate that you have collision and comprehensive coverage. Collision can help pay for repairs to your vehicle or vehicle replacement, if necessary, from collisions with other cars or situations where you hit an object such as a fence. Research the value of your car to determine if collision makes financial sense.

Comprehensive covers situations where you might hit a deer or another animal as well as situations such as theft. Many people who have new cars or nicer (more expensive) cars get this type of coverage as well as collision. Unfortunately, Hot Springs has a very high property crime rate of 95.3, while the U.S. average is 35.4. Car insurance in Hot Springs, AR, may be able to help with compensation or rental autos in case your vehicle gets stolen.

Arkansas does not require personal injury protection, which covers medical expenses regardless of fault. It is a good idea to have at least $10,000 in PIP coverage.

Cost of Car Insurance in Hot Springs

Car insurance in Hot Springs, AR, per year costs $1,566 on average. Comparing rates at least once a year helps you make sure you have coverage that makes sense. Otherwise, your car insurance levels might be appropriate for your car and family dynamic as they were 10 years ago, not now. Use VIU by HUB to streamline the process of getting various quotes from multiple insurers.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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