Cheap Quotes for Fort Smith, AR Car Insurance (2021)

Fort Smith, Arkansas car insurance rates average $318 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Fort Smith, AR companies, you can find cheap Fort Smith car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Fort Smith, AR are $318/month
  • The cheapest car insurance company in Fort Smith is USAA
  • Average car insurance rates in Fort Smith, AR after a DUI are $4,601/year

How do the Fort Smith, Arkansas monthly average car insurance rates of $318/month compare to nearby cities like Bentonville car insurance rates, Little Rock car insurance rates, and Conway car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Fort Smith, AR.

We’ll cover the Arkansas minimum coverage requirements, Arkansas car insurance laws, and Fort Smith, AR statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Fort Smith, Arkansas companies to find the most affordable Fort Smith car insurance rates.

Enter your ZIP code above to find cheap Fort Smith, AR car insurance quotes today.

What are the minimum Fort Smith, AR car insurance requirements?

To meet Arkansas minimum car insurance coverage requirements, Fort Smith, AR drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Fort Smith, Arkansas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Average Fort Smith, AR Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Fort Smith, AR you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Fort Smith, Arkansas

ZIP Code Average Annual Rates
72901 $3,950
72903 $3,870
72904 $3,945
72908 $3,895
72916 $3,922

How do age, gender, and marital status affect Fort Smith, AR car insurance rates?

Three of the criteria that most affect car insurance rates in Fort Smith, Arkansas are age, gender, and marital status. Let’s take a look at how each of these stack up with top Fort Smith car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fort Smith, Arkansas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,578 $2,592 $2,312 $2,469 $9,431 $11,305 $2,833 $3,064
Farmers $2,071 $2,059 $1,846 $1,948 $8,963 $9,294 $2,371 $2,485
GEICO $2,285 $2,250 $2,100 $2,042 $6,315 $6,295 $2,269 $2,302
Liberty Mutual $2,168 $2,317 $2,093 $2,335 $8,162 $8,987 $2,349 $2,449
Nationwide $2,533 $2,574 $2,280 $2,400 $6,225 $7,898 $2,910 $3,130
Progressive $2,445 $2,301 $2,016 $2,111 $10,649 $11,968 $2,917 $3,145
State Farm $1,593 $1,593 $1,449 $1,449 $4,905 $6,141 $1,801 $2,074
Travelers $2,035 $2,071 $2,026 $2,030 $12,157 $19,574 $2,186 $2,493
USAA $1,300 $1,304 $1,216 $1,211 $4,250 $4,422 $1,669 $1,786

How much do teen drivers pay for car insurance in Fort Smith, AR?

Fort Smith, Arkansas car insurance rates for teens are often higher than rates for other drivers. Compare Fort Smith car insurance rates from multiple Fort Smith, Arkansas car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Fort Smith, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,431 $11,305
Farmers $8,963 $9,294
GEICO $6,315 $6,295
Liberty Mutual $8,162 $8,987
Nationwide $6,225 $7,898
Progressive $10,649 $11,968
State Farm $4,905 $6,141
Travelers $12,157 $19,574
USAA $4,250 $4,422

How much do senior drivers pay for car insurance in Fort Smith, AR?

With a little research, seniors can find affordable car insurance in Fort Smith, Arkansas. Here’s a look at how the top Fort Smith car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Fort Smith, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,312 $2,469
Farmers $1,846 $1,948
GEICO $2,100 $2,042
Liberty Mutual $2,093 $2,335
Nationwide $2,280 $2,400
Progressive $2,016 $2,111
State Farm $1,449 $1,449
Travelers $2,026 $2,030
USAA $1,216 $1,211

How does coverage level affect Fort Smith, AR car insurance rates?

How much coverage do you need? Are you comfortable with the Arkansas minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Fort Smith, AR car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Fort Smith, Arkansas

Insurance Company Low Medium High
Allstate $4,439 $4,570 $4,710
Farmers $3,668 $3,835 $4,137
GEICO $3,084 $3,231 $3,382
Liberty Mutual $3,721 $3,829 $4,022
Nationwide $3,754 $3,667 $3,809
Progressive $4,264 $4,608 $5,210
State Farm $2,473 $2,623 $2,780
Travelers $5,285 $5,586 $5,844
USAA $2,042 $2,136 $2,256

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How does your driving record affect Fort Smith, AR car insurance rates?

Safe driving pays off. The more traffic violations you have in Fort Smith, AR, the higher your car insurance rates will be. Compare rates based on driving infractions from top Fort Smith, Arkansas companies.

Annual Fort Smith, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,771 $4,744 $5,271 $4,506
Farmers $3,278 $4,207 $4,114 $3,919
GEICO $2,215 $3,368 $4,961 $2,384
Liberty Mutual $2,607 $4,284 $5,017 $3,521
Nationwide $2,925 $3,763 $5,073 $3,214
Progressive $4,042 $5,642 $4,252 $4,840
State Farm $2,390 $2,861 $2,625 $2,625
Travelers $4,666 $4,820 $7,078 $5,722
USAA $1,643 $2,096 $3,018 $1,822

How does a DUI affect Fort Smith, AR car insurance rates?

With even one DUI on your record, you can see an increase in your Fort Smith, AR car insurance rates.

Annual Car Insurance Rates After a DUI in Fort Smith, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,271
Farmers $4,114
GEICO $4,961
Liberty Mutual $5,017
Nationwide $5,073
Progressive $4,252
State Farm $2,625
Travelers $7,078
USAA $3,018

How does your credit history affect Fort Smith, AR car insurance rates?

Take a look at the data here to see how your Fort Smith, Arkansas car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Fort Smith, Arkansas

Insurance Company Poor Fair Good
Allstate $5,735 $4,407 $3,577
Farmers $4,402 $3,706 $3,530
GEICO $3,869 $3,186 $2,641
Liberty Mutual $5,558 $3,375 $2,640
Nationwide $4,413 $3,565 $3,253
Progressive $5,299 $4,546 $4,237
State Farm $3,802 $2,290 $1,784
Travelers $6,381 $5,340 $4,994
USAA $2,825 $1,945 $1,664

How does your commute affect Fort Smith, AR car insurance rates?

Fort Smith, AR car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Arkansas can be seen here. Remember, though, that you may have to carry substantially more car insurance in Fort Smith if you’re financing.

Annual Car Insurance Rates by Commute Length in Fort Smith, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,573 $4,573
Farmers $3,880 $3,880
GEICO $3,204 $3,261
Liberty Mutual $3,857 $3,857
Nationwide $3,744 $3,744
Progressive $4,694 $4,694
State Farm $2,561 $2,690
Travelers $5,572 $5,572
USAA $2,085 $2,205

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Who has the cheapest Fort Smith, AR car insurance rates?

Here’s a breakdown of Fort Smith, Arkansas car insurance rates by company. You can see which company offers the cheapest Fort Smith car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Fort Smith, Arkansas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

What are the top Fort Smith, AR car insurance companies?

Which Fort Smith, Arkansas car insurance company will best fit your needs and budget? Check out this comparison of the top Fort Smith companies to find the one for you.

Average Annual Car Insurance Rates by Company in Fort Smith, Arkansas

Insurance Company Average Annual Rates
Allstate $4,573
Farmers $3,880
GEICO $3,232
Liberty Mutual $3,857
Nationwide $3,744
Progressive $4,694
State Farm $2,625
Travelers $5,572
USAA $2,145

What factors affect Fort Smith, AR car insurance rates?

Why are Fort Smith, Arkansas car insurance rates different than rates in Bentonville or Little Rock? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Fort Smith, AR?

More time spent behind the wheel can lead to higher Fort Smith, Arkansas car insurance rates. In Fort Smith, AR, the average commute length is 16.1 minutes.

What is the traffic like in Fort Smith, AR

Like commute length, time spent in traffic also increase risk of accidents. Fort Smith, AR is listed as 937th in INRIX congested cities data.

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Car Insurance Quotes for Fort Smith, AR

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