Best Cheap Auto Insurance in Fort Smith, AR (2021)

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • 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.

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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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.

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

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.

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

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.

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

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.

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

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.

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

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.

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

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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.

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

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.

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

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.

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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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.

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

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.

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 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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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