Cheapest car insurance for high-risk drivers in Arkansas

Which company has the cheapest car insurance in Arkansas for a bad driving record?

Drivers with a poor record in Arkansas will find the lowest rates from Travelers, Nationwide and GEICO. Among these, Travelers provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $2,254 annually.

If you have accidents, DUIs or traffic tickets on your driving record, you'll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain on your record for life.

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

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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.

Average annual car insurance rate for At-fault bodily injury accident in Arkansas, AR is $3,055

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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

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Average annual rate

PEOPLE ASK:

Who is considered a high-risk driver 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.

What company offers the cheapest car insurance in Arkansas after a DUI?

While many insurers offer coverage after a DUI, State Farm has the lowest rate at $2,194 a year.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. 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

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What is the 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

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Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

Which company offers the cheapest insurance for reckless driving in Arkansas?

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

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Key insight

A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Arkansas?

In Arkansas, Nationwide provides the lowest premiums for drivers with poor credit, averaging $2,351 per year or $196 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Arkansas.

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

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What company has the cheapest car insurance in Arkansas after an accident?

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 typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean record, one 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

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Key insight

Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Arkansas?

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

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How can high-risk drivers lower their car insurance rates in Arkansas?

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.

Are Arkansas's insurance requirements 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: