Though Arkansas, along with other states around the country, continues to intensify drunk driving enforcement practices, the number of people who commit DUIs remains high. While few consider the consequences before hitting the road wasted, state penalties like jail time and fines are spelled out clearly by the law.
One consequence that may not be as obvious is a driver's inability to get cheap auto insurance after a DUI. In Arkansas, drivers see increases to their average insurance premiums of 61 percent. Because insurers have to recoup their losses, high-risk drivers will experience elevated rates for three to five years. What's more, they'll end up paying thousands over time to remain on the road.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
A DUI can be a more costly mistake than you think, as Arkansas drivers often see their car insurance premiums increase by about 61 percent after a DUI. What does it look like when you convert those percentages to premiums? At $305.90, drivers with a DUI tend to pay an average of $115 per month more to insure their ride than drivers without a DUI.
If you can keep a clean driving record for three to five years, insurance companies will most likely become more lenient with your rates.
|No Violation - Avg. Monthly Rate||After DUI - Avg. Monthly Rate||Average Percent Increase After DUI|
Not every insurance company you come across while shopping will be familiar. That's OK. All the insurance companies Insurify sorts through are reputable and qualified to do business in your state. Some of the cheapest options in Arkansas include less familiar names like Hallmark Insurance Company, Jupiter Auto, and Dairyland Insurance.
|Carrier||Avg. Monthly Cost|
|Hallmark Insurance Company||$191|
|Metropolitan Property and Casualty Insurance Company||$249|
|American Family Insurance||$292|
Each person's car insurance is different based on the information they provide. However, drivers in Arkansas with a DUI on their record can expect to pay $305 a month on average. This estimate is approximately $115 higher than rates for motorists with a clean driving record.
Arkansas ranks as the 40th most expensive state for car insurance after a DUI. This means that in most other states, you'll pay more. The fastest way to get the best rate for your individual insurance profile is to shop multiple car insurance companies at once.
|California After DUI Avg. Monthly Rate||Most Expensive State for DUI (1-50)|
Just how long does your DUI count against you in Arkansas? Though a DUI technically stays on your record forever, the state uses a lookback period to determine how long a DUI can count against you criminally and administratively.
Arkansas's lookback period is five years—one of the shortest in the nation. This means that after five years, a DUI cannot be grouped together with subsequent DUIs for penalty purposes. Other states have lookback periods from 10 years to life.
Any time you are pulled over for a suspected DUI in Arkansas, your license will be taken for 30 days and you'll be given an Official Driver's License Receipt. This doesn't take away your right to drive; it's just part of the administrative process.
First-time offenders face up to $1,000 in fines, a year in jail, and a six-month license suspension. Even with a first offense, drivers also face the possibility of having to install an ignition interlock device on their vehicle and attend a drug/alcohol treatment and education program.