Hot Springs, AR
Insuring your car and home in Hot Springs, AR
How Hot Springs households can compare car and home coverage, with local Census data. A quote is not a binder.
Two numbers frame insurance in Hot Springs: 57% of households are homeowners, and 76% of commuters drive alone. With a population near 37,971, that adds up to a lot of households insuring a house and at least one vehicle.
Cars, commutes, and households in Hot Springs
| Measure | Hot Springs | Arkansas |
|---|---|---|
| Drive alone to work | 76% | 79% |
| Carpool | 12% | 9% |
| Work from home | 7% | 9% |
| Commute of 45 minutes or more | 7% | 11% |
| Commute under 15 minutes | 51% | 34% |
| Households with no vehicle | 9% | 6% |
| Households with 3 or more vehicles | 13% | 23% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Hot Springs commutes are shorter than the Arkansas norm, with 7% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Fewer Hot Springs workers telecommute (7%) than the state average, which means more cars on the road at rush hour.
13% of Hot Springs households keep three or more vehicles, and 9% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Home values and housing age in Hot Springs
The median owner-occupied home in Hot Springs is valued at $165,500, and half of the city's homes were built before 1973. The Arkansas median value is $188,000. Your dwelling limit should match rebuild cost, which can differ from market value.
For context, the NAIC's 2023 average HO-3 premium in Arkansas was $1,437 for homes insured in the $150,000–$199,999 range, and $1,870 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Hot Springs drivers
Drivers in Hot Springs must carry Arkansas's minimum of 25/50/25 in liability coverage (none beyond liability). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
Should Hot Springs homeowners bundle?
A bundle can simplify life in Hot Springs: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Hot Springs
Around Hot Springs, two exposures stand out: spring hail and tornadoes and straight-line winds. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
See FEMA's National Risk Index for local hazard scores.
Neighboring cities and Hot Springs
In Little Rock, 54% own their home and 14% of households have three or more vehicles. Fayetteville: 72% drive alone, 5% commute 45+ minutes, median home $349,600. Fort Smith shows 8% working from home and a median home value of $178,100. For share of 45-minute-plus commutes, Hot Springs is 9th of 20 Arkansas cities on this site.
Gathering details for a Hot Springs auto and home quote
- Everyone in the household who drives
- Lender name and loan number
- Your Hot Springs address, square footage, and year built
- Vehicle year, make, model, and VIN
- When the roof was replaced
- Commute distance and typical yearly miles
Questions from Hot Springs drivers and homeowners
What are the minimum car insurance limits for Hot Springs drivers?
Arkansas requires liability of 25/50/25; none beyond liability.
How long are commutes in Hot Springs?
About 7% of Hot Springs workers commute 45 minutes or more and 51% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Hot Springs?
Prices depend on the home and coverage. The NAIC's 2023 Arkansas HO-3 average was $1,870; see the Arkansas page.
Other city guides near Hot Springs
Auto and home insurance in Arkansas
Last updated October 15, 2026 · How we research