How Much Does Auto Insurance Cost After a Speeding Ticket in Arkansas?

Deciphering which insurers offer the lowest-priced car insurance rates after a speeding ticket will take a little more sweat than just comparing a company or two. Each auto insurance company has their own guidelines to set policy rates, so we will examine the car insurance companies with the overall cheapest rates in Arkansas.

It’s a good idea to be aware that Arkansas car insurance rates are based on many factors that will increase or decrease the policy premium. Simply having a birthday, buying a home instead of renting, or having a fender bender may prompt premium changes that can now make some companies more affordable than others.

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Auto Club has some of the lowest car insurance rates in Arkansas at around $1,005 a year. USAA, Travelers, Southern Farm Bureau, and State Farm also rank well as some of the cheaper Arkansas insurance companies.

In the above rates, if you currently have coverage with Southern Farm Bureau and switched to USAA, you might see savings of roughly $204. Customers with State Farm could save as much as $227 a year, and Safeco policyholders might lower prices by up to $244 a year.

These estimates are averaged for all types of insureds and vehicles and and are not calculated with a price decrease after a speeding ticket. So the insurer that fits you best may not even be in the chart above. That’s why you need to get quotes using your own personalized driver profile and vehicle information.

One of the more important things used to determine the cost of insurance is where you keep your car in Arkansas. Larger areas like El Dorado, Little Rock, and Pine Bluff tend to have more expensive car insurance rates, whereas areas that tend to be more rural get the luxury of paying less.

The illustration below lists the highest-priced places in Arkansas after a speeding ticket to purchase a policy in.

Premium costs are comparative as the specific zip code location can modify prices noticeably.

How to get discounts on Arkansas car insurance

Insurance companies that sell cheap insurance after a speeding ticket in Arkansas may also provide rate discounts that could potentially reduce rates by as much as 35% if you are eligible to receive them. The best car insurance companies and their offered discounts are detailed below.

The diagram below shows the comparison of insurance rates with and without some available policy discounts. The premium estimates are based on a female driver, no accidents and two traffic tickets, Arkansas state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with paperless filing, marriage, paid-in-full, passive restraint, vehicle safety, and anti-theft discounts applied. When taking advantage of discounts, the the amount saved on car insurance after a speeding ticket is 32% or $596.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2481,1783],[‘Age 30’, 1819,1315],[‘Age 40’, 1731,1251],[‘Age 50’, 1573,1135],[‘Age 60’, 1535,1109],[‘Age 70’, 1733,1249]]);var options = {title: ‘Insurance Rate Comparison with Discounts After a Speeding Ticket’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,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(‘qcibdisc’));chart.draw(data, options);}

Impact of careless driving on car insurance rates

In a perfect world, the best way to snag the cheapest car insurance premiums in Arkansas after a few driving violations is to drive carefully and avoid accidents and violations. The information below shows how violations and accident claims can affect auto insurance rates for each different age group. The premiums are based on a married female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2143,2389,3075],[‘Age 30’, 1505,1749,2439],[‘Age 40’, 1487,1729,2419],[‘Age 50’, 1301,1547,2237],[‘Age 60’, 1243,1487,2175],[‘Age 70’, 1331,1575,2267]]);var options = {title: ‘Impact of Citations and Accidents on Arkansas Car Insurance Prices’,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 chart, the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,502. Add in one speeding ticket and the average cost hikes up to $1,746, an increase of $244 each year. Then add in one accident along with the one speeding ticket and the annual cost of car insurance after a speeding ticket jumps again to an average of $2,435. That’s an increase of $934, or $78 per month, just for being a little careless behind the wheel!

Which major car insurance company is best?

If you are shopping around for auto insurance, the top insurers to get price quotes from are State Farm, Allstate, Progressive, and Geico. The following table breaks down ratings for price and service, as well as some optional coverages that policyholders can buy.