Compare Fort Smith, AR Car Insurance Rates (2021)

Car insurance in Fort Smith, AR averages $318 a month. Fort Smith, Arkansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Fort Smith car insurance rates, compare quotes from the top car insurance companies in Fort Smith, AR.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Fort Smith is USAA
  • Average car insurance rates in Fort Smith, AR are $3,814/year
  • Average car insurance rates in Fort Smith, AR after a DUI are $4,601/year

If you need to buy Fort Smith, Arkansas car insurance, the options can be confusing. Everything you need to know about car insurance in Fort Smith, AR is right here.

You’ll find Fort Smith car insurance rates, the cheapest Fort Smith, AR car insurance companies, and information on Arkansas car insurance laws. You can also compare Fort Smith, Arkansas car insurance rates to Hot Springs car insurance rates, Pine Bluff car insurance rates, and Conway car insurance rates.

Ready to find affordable Fort Smith, AR car insurance today? Enter your ZIP code for fast, free Fort Smith car insurance quotes.

Cheapest Fort Smith, AR Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Fort Smith, AR car insurance rates? Every Fort Smith, Arkansas car insurance company weighs these factors differently, so check out the comparison rates.

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

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Minimum Car Insurance in Fort Smith, AR

Every driver must carry the minimum car insurance in Fort Smith, AR. Take a look at the Arkansas car insurance requirements.

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

Cheapest Fort Smith, AR Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Fort Smith, AR. Compare credit history car insurance rates in Fort Smith from top companies for good, fair, and poor credit.

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

Cheapest Fort Smith, AR Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Fort Smith, AR to rates for a clean record with top 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

Cheapest Fort Smith, AR Car Insurance for Teen Drivers

Teen car insurance in Fort Smith, AR can be expensive. Take a look at rates from the top car insurance companies in Fort Smith for teenagers.

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

Cheapest Fort Smith, AR Car Insurance for Seniors

Take a look at Fort Smith, AR senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

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

Cheapest Fort Smith, AR Car Insurance Rates After a DUI

A DUI in Fort Smith, AR increases car insurance rates. Compare Fort Smith, Arkansas DUI car insurance by company to find the cheapest option.

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

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Cheapest Fort Smith, AR Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Fort Smith, AR by commute? Take a look at a comparison of the top companies by commute length.

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

Cheapest Fort Smith, AR Car Insurance Rates by ZIP Code

Fort Smith car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Fort Smith, AR.

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

The Best Cheap Car Insurance Companies in Fort Smith, AR

Take a look at a side-by-side comparison of the top car insurance companies in Fort Smith, AR to find the best option for your needs.

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

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Category Winners: Cheapest Car Insurance in Fort Smith, Arkansas

Find the cheapest car insurance companies in Fort Smith, AR for each category right here.

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

Cheapest Fort Smith, AR Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Fort Smith car insurance rates. Find the cheapest Fort Smith, AR car insurance rates by coverage level.

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

What affects car insurance rates in Fort Smith, Arkansas?

What factors can have an impact on Fort Smith, AR car insurance? There are several reasons why Fort Smith car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Fort Smith, Arkansas.

Commute Time in Fort Smith

The more time you spend in your car the higher the risk of an accident. The average commute length in Fort Smith, AR is 16.1 minutes according to City-Data.

Traffic in Fort Smith

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Fort Smith, AR traffic data from INRIX ranks Fort Smith as the 937th-most congested in the world.

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Compare Car Insurance Quotes in Fort Smith, AR

Ready to find affordable Fort Smith, Arkansas car insurance today? Enter your ZIP code for fast, free Fort Smith, AR car insurance quotes.

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Average Monthly Car Insurance Rates by State