Your Premium Went Up After Filing a Claim
You filed a claim after an accident in Arkansas, and your renewal notice arrived with a higher premium. The increase applies to your entire policy, not just the vehicle that was in the accident. If you insure two or more vehicles on one policy, the surcharge hits every car, even the ones that were not involved.
Arkansas carriers re-rate your policy at renewal based on at-fault accidents. The increase depends on your carrier's tier structure, the severity of the accident, and whether the at-fault driver is the primary or secondary operator on your policy. Multi-vehicle households see the surcharge distributed across the policy, which changes how the total increase appears on your bill.
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Get Your Free QuoteArkansas Liability Minimums
$25,000 / $50,000 / $25,000
Arkansas requires $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. These minimums apply to every vehicle on your policy, and an at-fault accident that exhausts your limits can trigger a larger surcharge than one where your coverage was sufficient.
Arkansas Department of Finance and Administration, Office of Driver Services
The Surcharge Applies to the Entire Policy
Arkansas carriers do not surcharge individual vehicles. They surcharge the policy. If you insure three cars and one driver causes an at-fault accident, the carrier applies the surcharge to the base premium for all three vehicles at your next renewal. The total dollar increase is larger because the percentage increase applies to a higher base.
The surcharge percentage varies by carrier and by the severity of the accident. A minor at-fault accident with no injuries typically results in a smaller percentage increase than an accident involving bodily injury or property damage above your liability limits. Carriers also consider whether the accident is your first claim or part of a pattern.
If the at-fault driver is a secondary operator on your policy—a teenager or a spouse who drives one of the vehicles occasionally—the surcharge still applies to the entire policy. The carrier does not separate the surcharge by driver. The policy is the unit of pricing, and the accident history of every driver on the policy affects the rate for every vehicle.
The surcharge applies to your entire multi-vehicle policy at renewal, not just the car that was in the accident. Every vehicle on the policy sees the increase.
How Carriers Calculate the Increase
Carriers classify policies into tiers: preferred, standard, and non-standard. A driver with no accidents or violations typically qualifies for the preferred tier, which has the lowest base rates. An at-fault accident moves you to the standard tier at renewal, and a second accident within three years can move you to the non-standard tier. The percentage increase between tiers varies by carrier, but the jump from preferred to standard is typically larger than the jump from standard to non-standard.
The severity of the accident also matters. If your liability coverage was insufficient and the other party filed a claim against you personally, the carrier treats that as a higher-risk event and applies a larger surcharge. Carriers also look at whether you were cited for a moving violation at the time of the accident, which compounds the surcharge.
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The Surcharge Lasts Three to Five Years
Arkansas carriers apply the surcharge for three to five years from the date of the accident, not the date you filed the claim. The surcharge appears at your first renewal after the accident and continues at every subsequent renewal until the accident ages off your record. Most carriers use a three-year window, but some use five years for accidents involving bodily injury or multiple claims.
The surcharge does not decrease gradually. It stays at the same percentage until the accident falls outside the carrier's lookback window, at which point it drops off entirely at your next renewal. If you have a second accident during the surcharge period, the carrier applies a second surcharge on top of the first, and both surcharges run their own timelines.
If you switch carriers during the surcharge period, the new carrier will see the accident on your motor vehicle report and price your policy accordingly. Switching does not reset the surcharge timeline. The accident remains on your record for the full three to five years regardless of which carrier you use.
Arkansas Uninsured Motorist Rate
12.1%
One in eight Arkansas drivers is uninsured. If an uninsured driver hits you and you file a claim under your uninsured motorist coverage, most carriers do not surcharge your policy because you were not at fault. Verify your carrier's policy before filing.
Insurance Research Council, 2023
Multi-Car Discount and Surcharge Interaction
If you receive a multi-car discount, the surcharge applies after the discount. The carrier calculates the base premium for each vehicle, applies the multi-car discount to reduce the total, and then applies the surcharge percentage to the discounted amount. The surcharge does not eliminate the multi-car discount, but it increases the total premium for all vehicles on the policy.
Some households consider splitting their vehicles onto separate policies after an accident to isolate the surcharge to one policy. This strategy rarely saves money. Arkansas carriers require every vehicle in a household to be listed on a policy, and splitting vehicles means losing the multi-car discount entirely. The combined premium for two separate policies is almost always higher than the surcharged premium for one multi-vehicle policy, even after the accident.
Compare Carriers After the Surcharge Appears
Once the surcharge appears on your renewal notice, compare rates from other carriers that write multi-vehicle policies in Arkansas. Different carriers apply different surcharge percentages, and some carriers specialize in insuring drivers with recent accidents. Arkansas minimum liability requirements apply to every vehicle on your policy, and carriers that write non-standard auto insurance often offer lower base rates for drivers with accident history.
State Farm, Geico, Progressive, Allstate, and Farmers all write multi-vehicle policies in Arkansas and accept drivers with at-fault accidents. National General, Bristol West, Dairyland, and The General specialize in non-standard auto insurance and may offer lower rates if your current carrier moved you to a high-risk tier. Request quotes from at least three carriers and compare the total premium for all vehicles on your policy, not just the vehicle that was in the accident.