Updated: May 20, 2024
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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.
BestAuto InsuranceAfter a DUIBest Companies for DUI Insurance in 2023
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.
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
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:
MoneyGeek collected annual premiums from other auto insurers for full coverage policies after getting a DUI in Arkansas in the table below.
| 1 | CompanySouthern Farm Bureau | Annual Premium$1,010 |
| 2 | CompanyState Farm | Annual Premium$1,104 |
| 3 | CompanyUSAA | Annual Premium$1,214 |
| 4 | CompanyFarmers | Annual Premium$1,283 |
| 5 | CompanyAllstate | Annual Premium$1,460 |
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:
Additionally, USAA is an affordable choice for military members, veterans and their families, with the same coverage averaging $557 per year.
| Southern Farm Bureau | Minimum Annual Premium$481 |
| USAA | Minimum Annual Premium$557 |
| State Farm | Minimum Annual Premium$558 |
| Progressive | Minimum Annual Premium$678 |
| Farmers | Minimum Annual Premium$710 |
Although the minimum coverage policy is the cheapest option for auto insurance, it has some limitations that may not meet your specific needs. While Arkansas law only requires state minimums for auto insurance, you should determine how much car insurance you need to protect yourself and your assets.
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.
In Arkansas, State Farm offers full coverage car insurance at about $1,104 per year for drivers with a DUI, compared to $1,012 for those without a DUI. This means that you will see about a 9% increase in premiums if you have a DUI conviction.
In terms of financial stability, customer satisfaction and affordability, State Farm made it to our top spot. This insurer is available in 50 states, offers rideshare insurance and gives discounts for clean drivers and students. However, it doesn't provide unique coverages like Original Equipment Manufacturers (OEM).
In Arkansas, Allstate offers full-coverage car insurance policies to those with a DUI at $1,460 per year, while the cost without a DUI is $1,110. This means you will have to pay over 31% more for auto insurance if you have a DUI on your record.
Allstate also received high ratings for financial stability, customer satisfaction and affordability. It is available in 50 states and is a reasonably priced insurer for young drivers. Their policy offers unique add-ons such as custom parts coverage but doesn't offer better car replacement coverage or discounts on defensive and multiple car driving.
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.
At State Farm, a minimum coverage auto policy without a DUI costs roughly $506 per year and $558 per year with a DUI. State Farm's average annual premiums increase by about 9% if you have a DUI conviction in Arkansas.
For Arkansas drivers with traffic violations, State Farm offers the best minimum coverage, receiving top ratings in multiple categories. With this type of policy, typical add-on coverages are provided, such as rental car reimbursement and roadside assistance. However, no unique coverages are available from this insurer.
A minimum coverage Allstate auto insurance policy in Arkansas costs an average of $772 per year with a DUI, versus $617 without one. This means a DUI on your record will increase your car insurance cost by more than 31%.
Allstate provides coverage to drivers in 50 states. It also provides insurance policies to young drivers at a reasonable price. It offers unique add-ons, such as custom parts coverage, but it doesn't offer better car replacement coverage or discounts for multiple car drivers and defensive driving.
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.
How long does a DUI affect the cost of your car insurance?
A DUI conviction stays on your record for several years depending on the state. This is also known as a "look-back period." Arkansas’ look-back period is five years. DUI penalties drastically increase with each subsequent DUI within the look-back period in order to discourage repeat offenses.
Full Coverage
$1,145
Full Coverage
$2,056This is 80% more expensive.
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.
MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Jul 26, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
You should not underestimate a DUI's financial repercussions. Besides higher insurance rates, you might also need to pay the following penalties for getting a DUI:
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.
SR-22 insurance forms are required by law in Arkansas for drivers who are convicted of DUI. To verify that you have the required minimum insurance coverage for your state, your insurer will provide this document to the state on your behalf. The cost of SR-22 insurance in Arkansas includes filing fees and loss of discounts.
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.
Driving with a BAC at or above 0.08% is considered a DUI
Blood alcohol concentration (BAC) is a measure of the amount of alcohol present in the blood. It is illegal to drive in Arkansas if your blood alcohol concentration is greater than 0.08%. It is still possible for you to be arrested for noticeably intoxicated driving, even if you fall under this threshold.
Driving with a BAC at or above 0.15% will NOT result in increased penalties
Arkansas doesn't impose increased penalties for offenders with a high BAC.
Six-month administrative license suspension on first offense
You will lose your driving privileges for six months if you are caught with a BAC of 0.08% or higher on your first offense.
Limited driving privileges
After your license is suspended, you can get a restricted license that allows you to drive with limited privileges.
Mandatory ignition interlocks
You must install a device that disables your car's engine if alcohol is detected on your breath. This is mandatory in Arkansas for all DUI convictions.
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.
Arkansas state law makes it legal for car insurance companies to decline or cancel your policy after a DUI. To know whether your insurer will still cover you after a DUI conviction, you should contact them directly.
DUI convictions increase insurance premiums by about 79% in Arkansas. As an example, full coverage car insurance in Arkansas costs $1,145 per year on average, but this figure jumps to about $2,056 per year with a DUI conviction.
Southern Farm Bureau offers the cheapest car insurance for DUI offenders in Arkansas for both minimum and full coverage policies.
In Arkansas, the look-back period for a DUI is five years, so your premiums will usually be affected for that period.
When you've been convicted of DUI, it's best to shop around for a high-risk insurance company. We recommend that you obtain quotes from multiple providers and compare them to get the best deal.
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.
About Mark Fitzpatrick
Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
