- Cheapest car insurance for high-risk drivers in Arkansas
- Average rates for high-risk drivers in Arkansas by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Arkansas
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Arkansas is Geico, followed by Farmers and Travelers.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,358 | $113 |
| Farmers | $2,070 | $173 |
| Travelers | $2,072 | $173 |
| State Farm | $2,331 | $194 |
| Progressive | $2,408 | $201 |
| Auto Club Enterprises (AAA) | $2,606 | $217 |
| Allstate | $2,861 | $238 |
| Nationwide | $2,966 | $247 |
| Auto-Owners | $3,330 | $278 |
| USAA | $1,601 | $133 |
Average rates for high-risk drivers in Arkansas by driving record
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| State Farm | $1,527 |
| USAA | $1,546 |
| Geico | $1,841 |
| Travelers | $1,898 |
| Farmers | $2,125 |
| Nationwide | $2,347 |
| Auto Club Enterprises (AAA) | $2,760 |
| Auto-Owners | $2,872 |
| Progressive | $2,986 |
| Allstate | $3,273 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Arkansas for a driver with a DUI is Geico with an average annual of $1,292 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,292 | $108 |
| State Farm | $1,423 | $119 |
| Progressive | $2,003 | $167 |
| Travelers | $2,007 | $167 |
| Farmers | $2,043 | $170 |
| Auto Club Enterprises (AAA) | $2,744 | $229 |
| Allstate | $2,967 | $247 |
| Auto-Owners | $3,758 | $313 |
| Nationwide | $4,231 | $353 |
| USAA | $2,027 | $169 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Arkansas, the cheapest car insurance with multiple tickets is from Geico. It offers full coverage insurance at $1,308 per year or $109 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,308 | $109 |
| State Farm | $1,423 | $119 |
| Farmers | $1,975 | $165 |
| Travelers | $2,029 | $169 |
| Progressive | $2,318 | $193 |
| Nationwide | $2,403 | $200 |
| Auto-Owners | $2,417 | $201 |
| Auto Club Enterprises (AAA) | $2,466 | $206 |
| Allstate | $2,585 | $215 |
| USAA | $1,258 | $105 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Arkansas, Geico offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,292 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,292 | $108 |
| State Farm | $1,423 | $119 |
| Travelers | $2,007 | $167 |
| Farmers | $2,103 | $175 |
| Progressive | $2,561 | $213 |
| Auto Club Enterprises (AAA) | $2,744 | $229 |
| Allstate | $2,967 | $247 |
| Auto-Owners | $3,758 | $313 |
| Nationwide | $4,231 | $353 |
| USAA | $1,818 | $152 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Arkansas is Geico with an average annual cost of $1,639 or $137 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,639 | $137 |
| Nationwide | $2,124 | $177 |
| Travelers | $2,331 | $194 |
| Farmers | $2,347 | $196 |
| Auto Club Enterprises (AAA) | $2,747 | $229 |
| Progressive | $2,930 | $244 |
| Allstate | $3,478 | $290 |
| Auto-Owners | $5,212 | $434 |
| State Farm | $6,874 | $573 |
| USAA | $1,986 | $166 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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