Arkansas Car Insurance with a DUI

If you receive a DUI in Arkansas, your car insurance will get pricier — it's just a question of how large your penalty will be.


How does being convicted of DUI impact auto insurance in Arkansas?


In Arkansas, a DUI conviction will increase your annual auto insurance cost by an average of $673. That’s 63% less than the United States average premium hike after a DUI.


CAR INSURANCE AFTER A DUI IN ARKANSAS — AVERAGE ANNUAL PENALTY
AreaAvg. Annual Rate — without DUIAvg. Annual Rate — with DUIAvg. Increase After DUI
Arkansas$1,698$2,371+40%
United States$1,548$2,556+65%

Finding auto insurance in Arkansas after a DUI violation


Purchasing cheap auto insurance soon after a DUI conviction is not easy. In fact, a DUI often brings about a larger rate hike than does any single driving violation — more than an at-fault accident, reckless driving, or racing.


Best car insurance with a DUI in Arkansas

If you've been found guilty of a DUI or DWI violation in Arkansas, it’s critical to consider your insurance possibilities with care. Car insurance rates with a DUI can fluctuate widely depending on the company. For instance, the best cheap auto insurance company after a DUI in Arkansas, State Farm, offers annual rates 48% less than the state average insurance rate with a DUI. The second-most affordable company for car insurance with a DUI in Arkansas is Southern Farm Bureau, while the most expensive insurer is Shelter, with prices 44% above the mean.


CAR INSURANCE COSTS AFTER DUI IN ARKANSAS — BY COMPANY
Insurance CompanyAvg. Annual Rate — After DUI
State Farm$1,232
Southern Farm Bureau$1,665
Progressive$2,174
Liberty Mutual$2,249
Farmers$2,324
Allstate$3,005
Alfa$3,092

There is no auto insurance company in particular that provides affordable DUI auto insurance. The easiest strategy to limit your losses after a DUI conviction is to shop around.

Compare auto insurance quotes online or reach out to an insurance professional to assess your choices and find a relatively cheap plan.

Learn more about car insurance and DUI infractions.

Compare rates from popular insurance companies side-by-side.

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Arkansas DUI laws

Arkansas considers drivers to be driving under the influence if their blood alcohol concentration measures 0.08% or higher. Commercial drivers are considered DUI in Arkansas if their BAC reads 0.04% or higher.

Those under 21 years old are considered DUI in Arkansas if their BAC is at or above 0.02%.


DUI penalties in Arkansas

Arkansas's lookback period is five years. Repeated DUIs within these five years are cumulative, so multiple offenses will lead to harsher penalties and fines.

First-time offenders over the age of 21 found to be DUI in Arkansas:

  • Must pay fines ranging from $150 to $1,000
  • Will be jailed for 24 hours to one year
  • Will have their license suspended for six months
  • May be required to install an IID for a period equal to the total length their license has been suspended
  • May be required to undergo a drug/alcohol treatment and education program

Those found guilty of a second-time DUI offense in Arkansas:

  • Must pay a fine costing between $400 and $3,000
  • Will be jailed for seven days to one year
  • Will have their license suspended for two years
  • May be required to install an IID for a period equal to the total length their license has been suspended
  • May be required to undergo a drug/alcohol treatment and education program

Those who commit a third DUI offense in Arkansas:

  • Must pay a fine of $900 to $5,000
  • Will be jailed for 90 days to one year
  • Will have a suspended license for 30 months
  • May be required to install an IID for a period equal to the total length their license has been suspended
  • May be required to undergo a drug/alcohol treatment and education program

The first, second, and third DUI offenses are treated as misdemeanors in Arkansas. Being found guilty of a fourth DUI within five years is considered a felony and results in:

  • A $900 to $5,000 fine
  • One to six years in jail
  • A driver's license suspension of four years
  • May be required to install an IID for a period equal to the total length their license has been suspended
  • May be required to undergo a drug/alcohol treatment and education program

A fifth DUI offense in Arkansas is a felony, leading to:

  • A $900 to $5,000 fine
  • Imprisonment for two to 10 years
  • A driver's license revocation for one year
  • May be required to install an IID for a period equal to the total length their license has been suspended
  • May be required to undergo a drug/alcohol treatment and education program

If a DUI leads to an accident or death, additional or stricter penalties may be imposed.

The length of time that an interlock ignition device must be installed and maintained for varies upon the specifics of a DUI and the actual BAC of an impaired driver.

Judges may also order community service in lieu of jail time, but must offer logical reasoning for doing so. There are also minimum jail sentences imposed on DUI drivers if minors under 16 years old are in the car while it's being driven by an impaired driver.


DUI penalties for underage drinkers in Arkansas

Drivers under the age of 21 and found to have a BAC of 0.02% or higher will be penalized in the following ways for a first-time DUI offense in Arkansas:

  • A fine between $100 and $500
  • Possibility of being ordered to perform community service
  • A 90-day license suspension
  • Must complete an alcohol and driving education program

Underage drivers guilty of a second DUI offense:

  • Must pay a fine between $200 and $1,000
  • Must perform community service for at least 30 days
  • Have their license suspended for one year
  • Must complete an alcohol and driving education program

Underage drivers who commit a three or more DUI offenses in Arkansas:

  • Must pay a fine between $500 and $2,000
  • Must perform at least 60 days of community service
  • Have their license suspended for three years or until they turn 21, whichever is longer
  • Must complete an alcohol and driving education program

Sources and references:

https://dui.drivinglaws.org/arkansas.php

http://www.dui-usa.drinkdriving.org/Arkansas_dui_drunkdriving_laws.php

https://www.dmv.org/ar-arkansas/automotive-law/dui.php

https://www.dmv.com/ar/arkansas/dui-dwi

https://www.edgarsnyder.com/drunk-driving/driving-alcohol-laws/arkansas.html

https://statelaws.findlaw.com/arkansas-law/what-are-the-arkansas-dwi-laws.html

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.