If you’ve ever wondered how long an accident or ticket affects your car insurance rates in Arkansas, you’re not alone. At Sharp Family Insurance in Hot Springs, AR, this is one of the most common questions we get when running auto quotes.
Let’s break it down so you know what to expect—and how to make smart choices that protect both your record and your wallet.
Accidents and Tickets Stay on Your Record for 5 Years
In Arkansas, accidents, tickets, and violations stay on your driving record for insurance purposes for five years.
- Years 1–3: The surcharge (extra cost added to your premium) is strongest during the first three years after an incident.
- Years 4–5: The impact starts to fade, but the record still shows up until the five-year mark.
This means if you have a fender bender today, your insurance company may use that information when calculating your rate for the next five years.
Why This Matters for Your Insurance Premiums
Even a small claim can cost you big over time. For example, say you bump into another car and cause $500 in damage. If you file a claim:
- That accident is considered at-fault.
- It could increase your premiums significantly—possibly costing you much more than $500 over the next five years.
That’s why we always encourage drivers to think carefully before filing a claim for minor damage. Sometimes it’s more affordable to pay out of pocket than to risk a long-term premium increase.
Tips for Arkansas Drivers
- Be strategic about claims. File for significant accidents, but consider covering small dings or scratches yourself.
- Keep your record clean. Avoid tickets and at-fault accidents when possible—it pays off in lower premiums.
- Shop smart. Different insurance carriers weigh tickets and accidents differently. An independent agent (like us!) can compare rates across multiple companies to find you the best fit.
Why Choose Sharp Family Insurance?
As a local, independent insurance agency in Hot Springs, Arkansas, we’re not tied to just one carrier. That means:
- We can shop multiple companies to get you the best rate.
- We’ll give you honest advice about whether filing a claim makes sense.
- We’re here for you year after year—not just when you sign up.
Watch the Video
Want to hear John explain this directly? Check out our YouTube video:
“How long do accidents stay on your driving record for insurance in Arkansas?”
Final Thoughts
Accidents and tickets in Arkansas may only take seconds to happen, but they can impact your auto insurance for up to five years. By knowing the rules and making smart decisions, you can keep your premiums as low as possible.
If you’re shopping for auto insurance or have questions about your driving record, give Sharp Family Insurance in Hot Springs, AR a call today. We’d love to help.