Auto Insurance with Bad Credit in Arkansas

The Zebra
March 12, 2019

It can be hard to find cheap auto insurance if you have bad credit. Auto insurers utilize credit as a primary rating factor, assigning premiums based partially on drivers’ credit scores. Because auto insurance companies rely on historical data that show those with bad credit histories are more apt to file car insurance claims, they compensate for the additional risk by assigning expensive rates.

How much you pay for car insurance with bad credit depends on which company you choose, where you live, and a few other rating factors. We've gathered on this page typical insurance rates for drivers with bad credit in major Arkansas cities and rates from a few of the most popular insurance companies, followed by tips on saving on car insurance if you have a bad credit score in Arkansas.


Car insurance with bad credit in Arkansas:

  1. Average rates
  2. Prices by city
  3. Costs by carrier

Car insurance rates with bad credit in Arkansas

Arkansas drivers pay an average penalty of $1,237 each year for having a credit score in the “worst” tier. Drivers in the "poor" or "below fair to poor" credit tiers will also pay above-average rates for a car insurance policy.


ARKANSAS CAR INSURANCE RATES WITH BAD CREDIT

Credit TierAverage Annual Rate in Arkansas
Worst$2,695
Poor$2,466
Below Fair to Poor$2,269
Average — All Credit Tiers$1,458

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Car insurance rates with bad credit in Arkansas cities

Auto insurance rates will also depend on the geographic area in which you drive. Car insurance companies rely on your address to estimate your likelihood of filing a claim: the denser your area, the more you'll pay for insurance.

Listed below are major Arkansas cities and their typical car insurance costs for those with bad credit.


BAD CREDIT CAR INSURANCE RATES IN ARKANSAS CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Little Rock$2,980$2,729$2,516
Fort Smith$2,480$2,273$2,096
Fayetteville$2,483$2,275$2,098
Springdale000
Jonesboro$2,689$2,461$2,268

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Cheap car insurance companies for bad credit in Arkansas

Another contributing factor to your premium is the insurer you choose. Every auto insurance company rates its policies differently, giving rating factors varying weights in their calculations. Credit history is often a major price differentiator from one insurance company to the next. In Arkansas, the cheapest insurance company for drivers with bad credit is GEICO, which offers savings of $146 yearly over the second-cheapest company, USAA.

See below prices from leading car insurance companies in Arkansas for drivers with bad credit.


ARKANSAS CAR INSURANCE PREMIUMS WITH BAD CREDIT — BY COMPANY

CompanyAverage Annual Rate — Worst Credit
GEICO$1,632
USAA$1,778
Southern Farm Bureau$1,828
Shelter$2,364
AAA$2,483

If you're having a hard time buying auto insurance with bad credit, consider these tips:

  1. See car insurance quotes
  2. Be smart with your claims
  3. Know what goes into car insurance rates

Compare rates from top car insurance companies.