Getting Car Insurance After a DUI in Arkansas: Everything You Need to Know

If you have a DUI record in Arkansas, MoneyGeek found that Southern Farm Bureau offers the cheapest car insurance for both full coverage and minimum coverage policies. In terms of the best car insurance provider in the state, State Farm takes the top spot across both levels of coverage.

In any state, car insurance providers may legally refuse coverage to drivers who have a DUI conviction on their record. Drivers with DUIs are considered to be high-risk, making them more likely to file a claim. Due to this risk, you can expect your rates to increase significantly if your insurer keeps your policy after you get a DUI.

Additionally, MoneyGeek's data shows that Arkansas drivers with a DUI typically pay about 79% more for a full coverage policy. For a first time offender, the criminal penalties for a DUI conviction in Arkansas include at least 24 hours or up to a year of jail time and a maximum of $1,000 in fines. In lieu of jail time, the judge can order community service.

Progressive and State Farm are the cheapest car insurance companies after a DUI in the United States. Depending on your state, you may find lower quotes from other companies.

In Arkansas, Southern Farm Bureau is the most affordable car insurance provider for full and minimum coverage policies after a DUI.

For a full coverage policy, the following providers offer the cheapest car insurance in Arkansas after a DUI:

• Southern Farm Bureau: $1,010 per year
• State Farm: $1,104 per year

MoneyGeek collected annual premiums from other auto insurers for full coverage policies after getting a DUI in Arkansas in the table below.

You should also remember that your coverage level impacts the cost of your auto insurance. The following are the least expensive car insurance providers for minimum coverage after a DUI in Arkansas:

• Southern Farm Bureau: $481 per year
• State Farm: $558 per year

Additionally, USAA is an affordable choice for military members, veterans and their families, with the same coverage averaging $557 per year.

To find the best car insurance companies in Arkansas after a DUI, MoneyGeek ranked companies based on affordability, customer satisfaction, financial stability and more. Our analysis shows that State Farm is the best car insurance for DUI offenders in the state for both full coverage and minimum coverage policies.

In Arkansas, State Farm and Allstate are two of the best insurers for full coverage car insurance after a DUI. You can see our ratings and find out more about each company in the table below.

For those with a DUI in Arkansas, State Farm and Allstate provide the best minimum coverage. While minimum coverage is the most affordable option for car insurance, note that it may not fully cover your expenses if you are involved in an accident.

In Arkansas, the average car insurance rate increases by over 79% after a DUI. With a DUI conviction, a full coverage policy costs $2,056 on average per year. The same coverage costs about $1,145 for Arkansas drivers with no such violations. Learn how and why your rates may increase after you are charged with a DUI.

Your car insurance rates will likely rise significantly if you have a DUI on your record. The reason for this is that insurers will now classify you as a high-risk driver. The MoneyGeek auto insurance calculator below will provide you with an estimate based on your profile.

It can be difficult to obtain car insurance after a DUI. Many car insurance companies are privately owned businesses, so they may refuse coverage to drivers they deem risky. In some states, the look-back period may be too long, compounding these challenges. If you are convicted of DUI in Arkansas, it will stay on your record for five years.

If you are convicted of DUI, your insurance premiums will probably increase by hundreds or even thousands of dollars. This is the best time to find companies that offer high-risk coverage. You can get the best rate for your situation by comparing quotes from different providers.

The legal consequences of driving under the influence of alcohol or drugs are severe. The penalties for DUI vary across states, so it is worth reviewing what each consequence entails. MoneyGeek outlines several DUI laws in Arkansas in the table below.

When you have been convicted of DUI in Arkansas, finding the best auto insurance can be challenging. MoneyGeek answered some of the most commonly asked questions to help you through the process.

To determine the top companies for individuals with DUIs in Arkansas, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data and information obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.