How to Find the Best Car Insurance
for High Risk Drivers in Arkansas

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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
No Violation
$249
Speeding Ticket
$270
At-Fault Accident
$250
Reckless Driving
$217
Failure to Stop for Red Light / Stop Sign
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.

What Are the Best Car Insurance Companies for High-Risk Drivers in Arkansas?

Being considered a high-risk driver isn't the be-all and end-all when it comes to your auto insurance. While it's highly likely that you'll pay more each month for your premium, policies aren't priced so high that they're unaffordable. Here are some of the average costs that a high-risk Arkansas driver can expect to pay:

CarrierAvg. Monthly Cost
Direct Auto$182
Dairyland Insurance$199
Safeco Insurance$221
Nationwide$228
Jupiter Auto$233
Hallmark Insurance Company$241
Liberty Mutual$298
The General$301
Midvale Home & Auto$312
American Family Insurance$324

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 HistoryAvg. Monthly Cost
No Violation$192
Speeding Ticket$249
At-Fault Accident$270
Reckless Driving$250
Failure to Stop for Red Light / Stop Sign$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
No Violation - Avg. Monthly Rate
$249
Speeding 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
No Violation - Avg. Monthly Rate
$270
Speeding 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
No Violation - Avg. Monthly Rate
$217
Speeding 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.