Best Cheap Auto Insurance Quotes for Drivers with a Bad Driving Record in Arkansas

For bad drivers, one of the largest criteria that is used to calculate the amount you pay for auto insurance is where you keep your vehicle in Arkansas. Areas with high crime rates or more dense population like El Dorado, Hot Springs, and West Memphis are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates generally pay less for insurance.

The table below sorts the most expensive areas in Arkansas for drivers with a bad driving record to buy auto insurance in.

Rate quotes are approximated as the specific geographic location can decrease or increase rates significantly.

Finding decent, cheap auto insurance is not the easiest thing to do, and deciding which company offers the best car insurance rates for drivers with a bad driving record will require even more perseverance. Prices could be much greater than the average price in Arkansas because of the posibility of more claims that goes along with selling insurance for bad drivers, but affordable insurance may be attainable if you look hard enough. Each auto insurer has a unique approach to determine premium rates, so let’s begin by examining the car insurance companies with the overall best prices in Arkansas.

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USAA may have some of the most affordable car insurance rates in Arkansas at around $991 per year. Auto Club, Travelers, Southern Farm Bureau, and State Farm are also some of the cheaper Arkansas car insurance companies.

As the example above demonstrates, if you are currently insured with State Farm and switched to Auto Club, you might see a yearly savings of upwards of $202. Drivers with Farmers might save as much as $257 a year, and Safeco insureds might realize rate reductions of up to $258 a year.

To find the best cheap auto insurance for drivers with a bad driving record in Arkansas for your vehicle, click here to start your free quote or click several companies below for low rates.

These policy rates are averages for all drivers and vehicles in Arkansas and do not take into consideration a rate increase for drivers with a bad driving record. So the car insurance company that can offer you the lowest price may not even be in the chart above. That underscores the importance of why you need to get rate quotes using your own individual information.

The car, truck, or SUV requiring insurance is one of the biggest factors when comparing quotes for cheap auto insurance for drivers with a bad driving record. Vehicles with reasonable performance levels, modern passenger safety features, or a low likelihood of having liability claims will cost much less to insure than higher performance models.

The next table presents car insurance rates for some of the most cost-effective vehicles to insure in Arkansas.

Data based on single male driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Arkansas minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Prices do not factor in vehicle location which can modify premium rates noticeably.

Based upon these rates, cars like the Chevrolet Traverse, Honda CR-V, Ford Escape, Subaru Forester, and Jeep Wrangler are most likely to be some of the more affordable vehicles to insure for bad drivers. The cost of auto insurance will be higher anyway because of the fact that there is more inherent risk for drivers with a bad driving record, but overall those vehicles will have the cheapest auto insurance rates compared to other vehicles.

Tickets and at-fault accidents raise rates

In a perfect world, the ideal way to earn the best cheap auto insurance for drivers with a bad driving record in Arkansas is to drive carefully and avoid traffic citations and accidents. The information below shows how violations and at-fault claims can drive up auto insurance costs for different age groups. The costs are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 3585,4375,7267],[‘Age 30’, 1873,2663,5555],[‘Age 40’, 1803,2593,5487],[‘Age 50’, 1649,2441,5335],[‘Age 60’, 1621,2411,5307],[‘Age 70’, 1871,2659,5551]]);var options = {title: ‘Impact of Violations and Accidents on Arkansas Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Arkansas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of car insurance in Arkansas per year with no accidents and a clean driving record is $2,067. Receive two speeding tickets and the average cost jumps to $2,857, an increase of $790 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of car insurance for drivers with a bad driving record jumps again to an average of $5,750. That’s an increase of $3,683, or $307 per month, just for not driving responsibly!

Do you need full coverage?

Finding the best cheap auto insurance for drivers with a bad driving record in Arkansas is important to the majority of vehicle owners, and one of the fastest ways to save on the cost of insurance is to only buy liability insurance. The illustration below visualizes the comparison of insurance costs with and without physical damage coverage. The premium estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 2627,1029],[‘Age 30’, 1381,567],[‘Age 40’, 1347,525],[‘Age 50’, 1237,493],[‘Age 60’, 1193,483],[‘Age 70’, 1479,645]]);var options = {title: ‘Full Coverage Rates Compared to Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Arkansas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged out for all age groups, comprehensive and collision coverage on your policy costs an additional $1,544 per year more than just buying liability insurance. That touches on the question if you should buy full coverage. There is no definitive rule to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s pretend your vehicle’s settlement value is $10,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $9,000 after the policy deductible has been paid. If premium cost is more than $900 a year to have full coverage, then you may need to consider dropping full coverage.

There are some cases where dropping full coverage is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not drop full coverage.