Car insurance companies charge more to insure drivers who are at a higher risk of filing a claim. The most common red flags for insurers are serious driving violations like reckless driving or a DUI, multiple tickets or accidents and even bad credit.
The average rate for high-risk car insurance in Arkansas is $1,564. High-risk drivers in Arkansas can expect to pay between $2,256 and $3,624 for car insurance depending on the reason for the rate increase.
The cheapest insurance in Arkansas for high-risk drivers is, on average, Geico, however, it will vary based on your exact situation.
If you’re a high-risk driver, finding cheap car insurance in Arkansas will be more of a challenge. We’ve compared auto insurance rates for high-risk drivers from top companies to help you save.
Key takeaways
- The average cost of high-risk car insurance in Arkansas is $1,564, but it varies depending on what’s on your record.
- The average car insurance rate for a driver with a DUI in Arkansas is $1,188, while a driver with a reckless driving conviction pays $1,188 on average.
- Bad credit can also land you in the high-risk category, with an average rate of $1,508 in Arkansas.
- 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 USAA and Travelers.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| Geico | $1,564 | $130 |
| USAA | $2,061 | $172 |
| Travelers | $2,316 | $193 |
| State Farm | $2,348 | $196 |
| Farmers | $2,401 | $200 |
| Progressive | $2,928 | $244 |
| Auto Club Entreprises (AAA) | $3,121 | $260 |
| Allstate | $3,442 | $287 |
| Nationwide | $3,654 | $305 |
| Auto-Owners | $4,694 | $391 |
Average rates for high-risk drivers in Arkansas by driving record
Average cost of car insurance in Arkansas for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|
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 $1,188 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| Geico | $1,188 | $99 |
| State Farm | $1,423 | $119 |
| Farmers | $1,999 | $167 |
| Progressive | $2,021 | $168 |
| USAA | $2,052 | $171 |
| Travelers | $2,052 | $171 |
| Auto Club Entreprises (AAA) | $2,744 | $229 |
| Allstate | $2,963 | $247 |
| Auto-Owners | $3,758 | $313 |
| Nationwide | $4,222 | $352 |
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 State Farm. It offers full coverage insurance at $1,423 per year or $119 monthly.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,423 | $119 |
| Nationwide | $1,542 | $129 |
| USAA | $1,552 | $129 |
| Geico | $1,694 | $141 |
| Travelers | $2,091 | $174 |
| Farmers | $2,297 | $191 |
| Progressive | $2,684 | $224 |
| Auto Club Entreprises (AAA) | $2,700 | $225 |
| Allstate | $2,817 | $235 |
| Auto-Owners | $3,758 | $313 |
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 $1,188 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| Geico | $1,188 | $99 |
| State Farm | $1,423 | $119 |
| USAA | $1,842 | $153 |
| Travelers | $2,052 | $171 |
| Farmers | $2,059 | $172 |
| Progressive | $2,599 | $217 |
| Auto Club Entreprises (AAA) | $2,744 | $229 |
| Allstate | $2,963 | $247 |
| Auto-Owners | $3,758 | $313 |
| Nationwide | $4,222 | $352 |
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 $1,508 or $126 per month.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| Geico | $1,508 | $126 |
| USAA | $2,010 | $168 |
| Nationwide | $2,108 | $176 |
| Farmers | $2,267 | $189 |
| Travelers | $2,373 | $198 |
| Auto Club Entreprises (AAA) | $2,747 | $229 |
| Progressive | $2,938 | $245 |
| Allstate | $3,481 | $290 |
| Auto-Owners | $5,212 | $434 |
| State Farm | $6,874 | $573 |
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.
