Best Fort Smith, Arkansas Auto Insurance in 2024
The average Fort Smith, AR auto insurance rates are $318 per month. The minimum auto insurance in Fort Smith is at least 25/50/25 in coverage to comply with Arkansas auto insurance laws. To find the best cheap auto insurance in Fort Smith, Arkansas, compare quotes from multiple companies.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Sep 9, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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: Sep 9, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 senior drivers are $1,963 per year
- The cheapest auto insurance company in Fort Smith is USAA
- The minimum auto insurance required in Fort Smith, Arkansas is 25/50/25
Fort Smith, Arkansas auto insurance requirements are 25/50/25 according to Arkansas auto insurance laws. Finding cheap auto insurance in Fort Smith can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Fort Smith, Arkansas, including driving record, credit, commute time, and more.
Compare auto insurance in Fort Smith to other Arkansas cities, including Conway auto insurance rates, Pine Bluff auto insurance rates, and North Little Rock auto insurance rates to see how Fort Smith, Arkansas auto insurance rates stack up.
Before you buy Fort Smith, Arkansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Fort Smith, Arkansas auto insurance quotes.
Minimum Auto Insurance in Fort Smith, Arkansas
Fort Smith, Arkansas auto insurance laws require that you have at least the Arkansas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance 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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Cheap Fort Smith, Arkansas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Fort Smith, Arkansas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Fort Smith, Arkansas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Fort Smith, Arkansas is a challenge. Take a look at the annual teen auto insurance rates 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 |
Cheap Fort Smith, Arkansas Auto Insurance for Seniors
What are senior auto insurance rates in Fort Smith, Arkansas? Take a look at the annual average rates for older drivers.
| 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 |
Cheap Fort Smith, Arkansas Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Fort Smith, Arkansas compared to the annual auto insurance rates with a clean record in Fort Smith, Arkansas.
| 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 |
Cheap Fort Smith, Arkansas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Fort Smith, Arkansas is not easy. Compare the annual rates for DUI auto insurance in Fort Smith, Arkansas to find the best deal.
| 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 |
Cheap Fort Smith, Arkansas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Fort Smith, Arkansas annual auto insurance rates by credit history compare.
| 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 |
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Cheap Fort Smith, Arkansas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Fort Smith, Arkansas can vary. Compare the annual cost of auto insurance by ZIP code in Fort Smith, Arkansas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 72901 | $3,950 |
| 72903 | $3,870 |
| 72904 | $3,945 |
| 72908 | $3,895 |
| 72916 | $3,922 |
Cheap Fort Smith, Arkansas Auto Insurance Rates By Commute
Commute length and annual mileage affect Fort Smith, Arkansas auto insurance. Find the cheapest annual Fort Smith, Arkansas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Fort Smith, Arkansas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Fort Smith, Arkansas? Check out the comparison of annual Fort Smith, Arkansas 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 |
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Best By Category: Cheapest Auto Insurance in Fort Smith, Arkansas
Compare the cheapest auto insurance companies in Fort Smith, Arkansas in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Fort Smith, Arkansas Auto Insurance Companies
What auto insurance companies in Fort Smith, Arkansas are the cheapest? Compare the top Fort Smith, Arkansas auto insurance companies to find the best annual rates.
| 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 auto insurance rates in Fort Smith, Arkansas?
There are a lot of reasons why auto insurance rates in Fort Smith, Arkansas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Fort Smith, Arkansas. Many local factors may affect your Fort Smith auto insurance rates.
Fort Smith Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fort Smith, Arkansas commute length is 16.1 minutes according to City-Data.
Fort Smith Traffic
How does Fort Smith, Arkansas rank for traffic? According to Inrix Fort Smith, Arkansas is the 937th most congested worldwide.
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Compare Fort Smith, Arkansas Auto Insurance Quotes
Before you buy Fort Smith, Arkansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Fort Smith, Arkansas auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Fort Smith, AR?
Yes, auto insurance is mandatory in Fort Smith, AR, as it is in most states. The law requires drivers to carry a minimum level of liability insurance to cover damages and injuries caused to others in an accident. Failure to comply with the mandatory insurance requirement can result in fines, license suspension, or other penalties.
What types of coverage are available for auto insurance in Fort Smith, AR?
Auto insurance policies typically offer several types of coverage, including:
- Liability coverage: Covers damages and injuries you cause to others.
- Collision coverage: Covers damages to your vehicle in a collision.
- Comprehensive coverage: Covers non-collision-related damages, such as theft, vandalism, or natural disasters.
- Personal injury protection (PIP): Covers medical expenses and other costs for you and your passengers.
- Uninsured/underinsured motorist coverage: Covers damages if you’re involved in an accident with a driver who has insufficient or no insurance.
How are auto insurance rates determined in Fort Smith, AR?
Auto insurance rates in Fort Smith, AR are determined by several factors, including:
- Age, gender, and marital status
- Driving record and claims history
- Type of vehicle and its value
- Annual mileage
- Credit history
- Coverage options and deductibles
Are there any discounts available for auto insurance in Fort Smith, AR?
Yes, insurance companies often offer various discounts to policyholders in Fort Smith, AR. Some common discounts include:
- Multi-policy discount (bundling auto insurance with other policies)
- Safe driver discount (for maintaining a clean driving record)
- Good student discount (for students with good grades)
- Anti-theft device discount
- Defensive driving course discount
- Loyalty discount (for staying with the same insurer for an extended period)
What should I do after a car accident in Fort Smith, AR?
After a car accident in Fort Smith, AR, take the following steps:
- Check for injuries and call emergency services if necessary.
- Move to a safe location if possible.
- Exchange information with the other driver(s) involved.
- Document the accident scene by taking photos and gathering witness information.
- Notify your insurance company and provide them with all relevant details.
- Cooperate with the claims process and provide any necessary documentation.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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.