Cheapest car insurance for high-risk drivers in Arkansas

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

Travelers offers the cheapest average rate in Arkansas for drivers with a poor driving record at $2,254 per year. Nationwide and GEICO also rank among the more affordable insurers for high-risk drivers.

Having accidents, DUIs or traffic tickets on your driving record will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay 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?

The average cost of high-risk car insurance in Arkansas is $3,287 per year. Depending on your driving history and insurer, you may be able to find rates as low as $2,254 annually.

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 one in a school zone, will increase 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?

State Farm offers the cheapest average rates after a DUI in Arkansas at $2,194 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in Arkansas for drivers with a clean record versus those with a DUI.

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?

State Farm offers the lowest average rates for drivers with multiple traffic tickets at $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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Expert's 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 provides the cheapest average reckless driving insurance rates in Arkansas at $2,194 per year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers 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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Expert's 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?

Nationwide offers the lowest average car insurance rates in Arkansas for drivers with bad credit, at $2,351 per year or $196 per month. Even with bad credit, drivers can still find affordable auto insurance coverage.

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

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

Travelers has the cheapest average post-accident insurance rates in Arkansas at $2,058 per year. State Farm also offers below-average rates after an at-fault crash.

Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.

This table compares rates for drivers with a clean driving 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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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city is cheapest for high-risk car insurance in Arkansas?

Elkins has the cheapest average high-risk insurance premiums in Arkansas at $3,023 annually. Meanwhile, El Dorado has the highest average rates at $3,499 per year.

Where you live affects your insurance costs. Areas with more traffic, accidents or vehicle theft usually have higher insurance rates.

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?

High-risk drivers in Arkansas can find lower rates by shopping around, avoiding further violations and taking a defensive driving course. Ways to lower car insurance rates include:

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 Arkansasdepends 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.

What 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:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Arkansas

Can high-risk drivers get full coverage car insurance in Arkansas?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Arkansas?

An SR-22 doesn't increase your rates, but the violation that resulted in the requirement will; as a result, having an SR-22 means higher rates. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.