Buy Cheap Fort Smith, AR Auto Insurance in 2024
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
| 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 |
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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.
| 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.
| 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.
| 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.
| 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.
| 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 |
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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.
| 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.
| 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.
| 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.
| 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 |
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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.
| 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.
| 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.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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.
Frequently Asked Questions
Why is it important to have auto insurance in Fort Smith, AR?
Auto insurance is essential in Fort Smith, AR, as it provides financial protection in case of accidents, damages, or theft involving your vehicle. It is also a legal requirement in Arkansas to have a minimum level of auto insurance coverage.
What are the minimum auto insurance requirements in Fort Smith, AR?
In Fort Smith, AR, the minimum auto insurance requirements are:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
How can I find cheap auto insurance in Fort Smith, AR?
To find cheap auto insurance in Fort Smith, AR, consider the following steps:
- Compare quotes from multiple insurance companies to get the best rates.
- Maintain a clean driving record to qualify for lower premiums.
- Opt for a higher deductible, which can lower your premium.
- Bundle your auto insurance with other policies like home or renters insurance for potential discounts.
- Inquire about available discounts such as safe driver discounts or discounts for installing safety features in your vehicle.
Are there any specific factors that affect auto insurance rates in Fort Smith, AR?
Yes, several factors can affect auto insurance rates in Fort Smith, AR. Some key factors include:
- Your driving record: A history of accidents or traffic violations can increase your premiums.
- Vehicle make and model: Expensive or high-performance cars may result in higher premiums.
- Age and gender: Younger and inexperienced drivers, as well as male drivers, often have higher rates.
- Location: Fort Smith, AR has its own unique risk factors that can impact insurance rates.
- Credit history: In some cases, insurance companies may consider credit history when determining rates.
Should I purchase additional coverage beyond the minimum requirements in Fort Smith, AR?
While the minimum coverage requirements provide legal compliance, it may be wise to consider additional coverage for better protection. Factors to consider include your personal financial situation, the value of your vehicle, and the potential risks you may face on the road. Additional coverage options include comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and medical payments coverage.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.