- Cheapest car insurance in Arkansas for a bad driving record
- How much is high-risk car insurance in Arkansas?
- Cheapest car insurance in Arkansas with a DUI
- Cheapest car insurance in Arkansas with multiple tickets
- Cheapest car insurance in Arkansas with a reckless driving conviction
- Cheapest car insurance in Arkansas with bad credit
- Cheapest car insurance after an accident in Arkansas
- Cheapest car insurance in Arkansas by city
- How to reduce car insurance rates in Arkansas for a bad driving record
- Arkansas car insurance laws for high-risk drivers
- Methodology
- Compare Arkansas high-risk driver car insurance rates with other states
Cheapest car insurance in Arkansas for a bad driving record
Travelers, Nationwide, GEICO provides affordable car insurance for high-risk drivers with bad driving record in Arkansas.
Traffic infractions, accidents and DUIs wind up on your driving record, meaning youâ??ll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Travelers | $1,442 | $2,254 |
| Nationwide | $1,503 | $2,720 |
| GEICO | $1,794 | $3,006 |
| Progressive | $2,431 | $3,313 |
| State Farm | $2,060 | $3,511 |
| Allstate | $2,729 | $3,547 |
| Farmers | $2,248 | $4,465 |
| USAA | $1,090 | $1,660 |
How much is high-risk car insurance in Arkansas?
In Arkansas, the average cost of high-risk car insurance is $3,287 per year. However, you may secure coverage from Travelers for as low as $2,254 annually. Even with a problematic driving record or poor credit score, affordable policies are available.
Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.
Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| USAA | $1,090 | $1,599 |
| Travelers | $1,442 | $2,107 |
| State Farm | $2,060 | $2,361 |
| Nationwide | $1,503 | $2,584 |
| GEICO | $1,794 | $3,059 |
| Farmers | $2,248 | $3,695 |
| Progressive | $2,431 | $3,762 |
| Allstate | $2,729 | $3,984 |
PEOPLE ASK:
Who is considered high-risk for insurance in Arkansas?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
Cheapest car insurance in Arkansas with a DUI
While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $2,194 annually.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after a DUI in Arkansas.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| State Farm | $2,060 | $2,194 |
| Travelers | $1,442 | $2,195 |
| Progressive | $2,431 | $2,685 |
| GEICO | $1,794 | $3,264 |
| Nationwide | $1,503 | $3,333 |
| Allstate | $2,729 | $3,588 |
| Farmers | $2,248 | $5,062 |
| USAA | $1,090 | $2,113 |
Cheapest car insurance in Arkansas with multiple tickets
The cheapest insurer for drivers with multiple tickets is State Farm, with rates averaging $2,194 annually or $183 monthly.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.
This table shows Arkansas drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| State Farm | $2,060 | $2,194 |
| Travelers | $1,442 | $2,225 |
| Nationwide | $1,503 | $2,433 |
| GEICO | $1,794 | $2,912 |
| Allstate | $2,729 | $3,150 |
| Progressive | $2,431 | $3,154 |
| Farmers | $2,248 | $3,941 |
| USAA | $1,090 | $1,298 |
Cheapest car insurance in Arkansas with a reckless driving conviction
State Farm offers the most affordable rates for drivers with reckless driving convictions, averaging $2,194 per year.
Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.
The table below compares car insurance premiums for drivers with a clean record and those with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| State Farm | $2,060 | $2,194 |
| Travelers | $1,442 | $2,195 |
| GEICO | $1,794 | $3,264 |
| Nationwide | $1,503 | $3,333 |
| Progressive | $2,431 | $3,535 |
| Allstate | $2,729 | $3,588 |
| Farmers | $2,248 | $5,102 |
| USAA | $1,090 | $1,891 |
Cheapest car insurance in Arkansas with bad credit
The cheapest Arkansas insurer for bad credit is Nationwide, with rates averaging $2,351 per year or $196 per month. The good news is that drivers with bad credit can still get affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects Arkansas car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Nationwide | $1,503 | $2,351 |
| Travelers | $1,442 | $2,462 |
| GEICO | $1,794 | $2,770 |
| Progressive | $2,431 | $4,190 |
| Allstate | $2,729 | $4,654 |
| Farmers | $2,248 | $4,804 |
| State Farm | $2,060 | $10,102 |
| USAA | $1,090 | $2,058 |
Cheapest car insurance after an accident in Arkansas
Travelers offers the lowest rates after an accident, averaging $2,058 per year. State Farm is another budget-friendly option, with rates around $2,361 a year.
Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.
This table shows car insurance rates for drivers with a clean record, a single at fault accident, and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Travelers | $1,442 | $2,058 | $2,613 |
| State Farm | $2,060 | $2,361 | $2,361 |
| Nationwide | $1,503 | $2,584 | $3,528 |
| GEICO | $1,794 | $3,059 | $4,624 |
| Farmers | $2,248 | $3,568 | $4,941 |
| Progressive | $2,431 | $3,762 | $5,157 |
| Allstate | $2,729 | $3,984 | $5,231 |
| USAA | $1,090 | $1,599 | $2,713 |
Cheapest car insurance in Arkansas by city
Elkins has the cheapest car insurance rates in Arkansas at $3,023 per year. But the most expensive city is El Dorado with rates of $3,499 per year.
Your location in Arkansas also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Elkins | $1,797 | $3,023 |
| Fayetteville | $1,875 | $3,168 |
| Jacksonville | $1,890 | $3,190 |
| Sherwood | $1,911 | $3,218 |
| Newport | $1,927 | $3,229 |
| Hot Springs | $1,949 | $3,265 |
| West Memphis | $1,963 | $3,314 |
| Hope | $2,061 | $3,440 |
| Little Rock | $2,064 | $3,481 |
| El Dorado | $2,107 | $3,499 |
How to reduce car insurance rates in Arkansas for a bad driving record
Finding affordable car insurance in Arkansas is possible, even with a bad driving record. Ways to lower car insurance rates include:
Where you live in Arkansas also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Arkansas?
Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Arkansas car insurance laws for high-risk drivers
If you're a high-risk driver in Arkansas, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.
An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
- Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
Compare Arkansas high-risk driver car insurance rates with other states
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