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In the US State of Arkansas, drivers can get penalty points or a demerit point where their driving license can be canceled or suspended. A driving license can be suspended or canceled based on the number of penalty points accumulated by Arkansas State drivers over some time because of the traffic offenses or infringements they committed during that period.
You can contact the Department of Motor Vehicles (DMV) for your State to check your penalty points. To check If Speeding Points Affect Insurance, read our article.
How do Points on a Driver’s License Affect Insurance in Arkansas?
In Arkansas, driver’s license points affect insurance premium costs. Based on our case study, Arkansas’s average car insurance premium is $1,914 per year for no violation points. If you get driving penalty points for a faulty accident, your insurance premium will increase by an average of 29%, which will be $2,317. Racing or reckless driving points can grow up to 39% of your insurance premium policy, so these offenses generate an average insurance cost of $2,682 in Arkansas.
However, each insurance company has its driving points records ranking system. For the same offenses or penalty points, you can have different insurance premium increases in various companies.
For example, for a same-fault accident in Arkansas, Nationwide can increase the insurance policy by 10%, while Allstate and Progressive insurance can increase up to 38%.
How long do points stay on your driving record in Arkansas?
Driver’s license points in Arkansas expire after 36 months. However, until they expire, you may still see higher insurance premiums, especially for significant violations like DUI’s and reckless driving.
- Up to three months for 14 to 17 points
- , up to six months for 18 to 23 points, and
- up to one year for 24 or more points.
How much do 2 points affect insurance in Arkansas?
In Arkansas, on average, two penalty points will affect a 5% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs by up to 63%.
How much do 3 points affect insurance in Arkansas?
In Arkansas, on average, three penalty points will affect an 8% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, others can increase costs by up to 74%.
How much do 4 points affect insurance in Arkansas?
In Arkansas, 4 penalty points will affect an average 7% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs up to 100%.
How much do 5 points affect insurance in Arkansas?
In Arkansas, five penalty points will affect an average 8% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 6 points affect insurance in Arkansas?
In Arkansas, six penalty points will affect an average 9% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 7 points affect insurance in Arkansas?
In Arkansas, seven penalty points will affect an average 27% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 8 points affect insurance in Arkansas?
In Arkansas, eight penalty points will affect an average 31% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
The length of a suspension period for any Arkansas license holder
Drivers with 14 or more points in 36 months will receive a notice of suspension from the Office of Drivers Services.
Offense and driving points record in Arkansas
| Violation | Number of Points Assigned |
| At-fault accident | 3 |
| Speeding ten mph or less over the limit | 3 |
| Speeding 11 to 20 mph over the limit | 4 |
| Speeding 21 to 30 mph over the limit | 5 |
| Speeding 31 or more mph over the limit | 8 |
| Leaving the scene of the accident | 8 |
| Reckless driving | 8 |
| Failure to stop for a school bus | 8 |
| Fleeing or eluding an officer | 8 |
| Racing | 8 |
| DUI | 14 |
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
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