Cheap Car Insurance for High-Risk Drivers in Arkansas:
Costs and Quotes (2022)

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Last Updated: January 2022

Cheapest Insurance Companies for High Risk Drivers in Arkansas (2022)

For drivers that are high-risk in Arkansas, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Arkansas. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Arkansas.

What Makes a Driver High-Risk in Arkansas?

Why do some Arkansas residents pay more for car insurance than others? There is a wide range of factors to take into consideration; however, motorists who exhibit high-risk behavior on the road tend to see their rates increase compared to others. When you violate driving laws, car insurance companies have to charge more, as insuring you is more of a gamble.

Even if you've earned speeding tickets, have caused accidents, or have been found driving recklessly, you can still find a car insurance policy that meets your needs. Arkansas motorists may want to work with a company that specializes in coverage for high-risk drivers to ensure they're finding the best deal.

Arkansas Car Insurance Rates for High-Risk Drivers
Average Monthly Cost
$192
$249
$270
$250
$217
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does High-Risk Driving Affect Car Insurance Rates in Arkansas?

In most cases, high-risk driving behavior isn't intentional, but nonetheless, you'll still end up paying out of pocket for your mistake. Whether you're speeding, driving recklessly, or causing an accident, you can expect your rates to jump up, sometimes reaching more than an additional $80 per month.

Arkansas drivers who are categorized as high-risk should take some time to price shop before enrolling in the first policy they come across. Some insurance companies even specialize in helping drivers with significant violations and will charge rates similar to these:

Driving History
No Violation$192
Speeding Ticket$249
At-Fault Accident$270
Reckless Driving$250
Failure to Stop$217

How Much Does a Speeding Ticket Impact Car Insurance Rates in Arkansas?

Speeding doesn't pay off, as people rarely save much time and end up having to pay a decent amount of money when they get caught. Here's the average increase an Arkansas driver can expect to see on their car insurance bill after receiving this violation:

$192
$249
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$57 ▴Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Arkansas?

Would you like to pay almost $1,000 per year extra for your auto insurance? Most people would say no, but that's the reality that Arkansas residents may face if they cause a collision. While prices will vary, here's what you can expect should an at-fault accident occur:

$192
$270
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$78 ▴Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Arkansas?

Distracted driving happens all too often and running a red light or a stop sign is one of the more common results of this behavior. While you may think that paying your ticket is the end of the expenses associated with this violation, Arkansas drivers often see their car insurance premiums increase, as shown below:

$192
$217
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$25 ▴Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Arkansas?

Why do some Arkansas residents pay more for car insurance than others? There is a wide range of factors to take into consideration; however, motorists who exhibit high-risk behavior on the road tend to see their rates increase compared to others. When you violate driving laws, car insurance companies have to charge more, as insuring you is more of a gamble.

Even if you've earned speeding tickets, have caused accidents, or have been found driving recklessly, you can still find a car insurance policy that meets your needs. Arkansas motorists may want to work with a company that specializes in coverage for high-risk drivers to ensure they're finding the best deal.

Tips for Researching High-Risk Arkansas Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Arkansas draws a wide variety of choices when factoring high-risk driving insurance rates.

Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.

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FAQs - Arkansas Car Insurance

Why is car insurance so expensive in Arkansas?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Arkansas?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Arkansas. Insurify analyzed the latest data for the five most populous cities in Arkansas to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Arkansas?

The way to find the carrier with the best auto insurance ratings in Arkansas and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How much do annual auto insurance rates increase in Arkansas?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.