4.8out of 3,000+ reviews

Arkansas Car Insurance for High Risk Drivers (With Quotes)

Secure. Free. Easy-to-use.
Advertising disclosures
auto insurance

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Courtney Levin

By: Courtney Levin

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

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.

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

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

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

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 HistoryAvg. Monthly Cost
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:

No Violation - Avg. Monthly Rate
$192
Speeding ticket - Avg. Monthly Rate
$249
$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:

No Violation - Avg. Monthly Rate
$192
Speeding ticket - Avg. Monthly Rate
$270
$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:

No Violation - Avg. Monthly Rate
$192
Speeding ticket - Avg. Monthly Rate
$217
$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.

Top Auto Insurance Companies

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Arkansas Car Insurance

  • 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.

  • 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.

  • 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.

  • 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.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Courtney Levin
Courtney Levin

Insurance Writer

A licensed insurance professional, Courtney Levin has been a personal finance writer since 2016. She graduated from Sonoma State University with a degree in communications and has been creating content for Insurify for more than two years. She specializes in auto insurance and personal finance and strives to help customers understand the ins and outs of their insurance policies.

Learn More