Buy Cheap Fort Smith, AR Auto Insurance (2021)

Fort Smith, AR auto insurance rates average $318 a month. Minimum auto insurance requirements in Fort Smith, Arkansas are 25/50/25 to comply with Arkansas laws. To buy cheap auto insurance in Fort Smith, AR, compare Fort Smith auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Fort Smith, AR for teens drivers are $7,895/year
  • The most expensive auto insurance company in Fort Smith after a DUI is Travelers
  • Average auto insurance rates in Fort Smith, AR are $318/month

Finding affordable Fort Smith, Arkansas auto insurance can be challenging, but everything you need to know to buy cheap Fort Smith, AR auto insurance with confidence is right here. Auto insurance rates in Fort Smith are affected by local factors as well as personal ones like your driving record.

See how Fort Smith, AR car insurance rates compare to Conway auto insurance rates, Fort Smith auto insurance rates, and Pine Bluff auto insurance rates before you read more about the cost of auto insurance in Fort Smith.

Don’t buy Fort Smith, AR auto insurance until you’ve compared rates. Get free Fort Smith, Arkansas auto insurance quotes when you enter your ZIP code above.

Fort Smith, AR Minimum Auto Insurance Requirements

The required auto insurance in Fort Smith, AR is 25/50/25 according to the auto insurance laws in Arkansas. The minimum auto insurance in Fort Smith, Arkansas is outlined here.

Minimum Required Auto 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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Find Cheap Fort Smith, AR Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Fort Smith, AR. Take a look at Fort Smith, Arkansas auto insurance rates by credit history.

Annual Auto 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

Buy Cheap Fort Smith, AR Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Fort Smith, Arkansas auto insurance rates? Find out how car insurance rates in Fort Smith, AR are impacted by demographics.

Annual Auto 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

Buy Cheap Fort Smith, AR Auto Insurance for Teen Drivers

Auto insurance for teenagers in Fort Smith can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Fort Smith, AR are listed here.

Annual Auto 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

Buy Cheap Fort Smith, AR Auto Insurance for Seniors

You can save on senior auto insurance rates in Fort Smith, Arkansas by comparing Fort Smith senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Fort Smith, AR here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Fort Smith, AR by Coverage Level

The amount of coverage you choose is a big factor in the cost of Fort Smith, Arkansas auto insurance. Compare Fort Smith, AR auto insurance rates by coverage level.

Annual Auto 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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Find Cheap Fort Smith, AR Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Fort Smith. Compare auto insurance rates in Fort Smith, AR by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Fort Smith, AR Auto Insurance Rates by ZIP Code

Auto insurance rates in Fort Smith, Arkansas can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Fort Smith, AR to see how much where you live in Fort Smith affects the cost of car insurance.

Annual Auto 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

Find Cheap Fort Smith, AR Auto Insurance Rates by Driving Record

Auto insurance rates in Fort Smith, Arkansas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Fort Smith, AR, take a look at the average cost for various violations versus rates for a clean driving record in Fort Smith.

Annual Fort Smith, Arkansas Auto 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

Find Cheap Fort Smith, AR Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Fort Smith, Arkansas is higher than for a clean driving record. You can buy auto insurance after a DUI in Fort Smith for less when you shop around and compare rates from multiple Fort Smith, AR auto insurance companies.

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

Insurance Company Annual Auto 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

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Winners by Category: Where to Buy Cheap Auto Insurance in Fort Smith, AR

Compare rates from the cheapest auto insurance companies in Fort Smith, AR for your needs. Take a look at how Fort Smith, Arkansas auto insurance companies stack up for each category.

Best Annual Auto 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

Find Cheap Fort Smith, Arkansas Auto Insurance Companies

If you’re looking for the cheapest Fort Smith, AR auto insurance companies overall, you can compare them here. Find the best price for Fort Smith, Arkansas car insurance by company.

Average Annual Auto 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 affects Fort Smith, Arkansas auto insurance rates?

Local factors affect auto insurance rates in Fort Smith, AR, including traffic, theft statistics, and commute length. Take a look at the things that impact Fort Smith auto insurance rates.

Commute Times in Fort Smith

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Fort Smith, AR is 16.1 minutes according to City-Data.

Traffic in Fort Smith

How is traffic in Fort Smith, Arkansas? Inrix data shows that Fort Smith, AR traffic makes it the 937th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Fort Smith, AR

You can buy cheap Fort Smith, AR auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Fort Smith, Arkansas auto insurance quotes from top companies.

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