Auto Insurance in Fort Smith, AR

Fort Smith, AR auto insurance requires drivers to carry 25/50/25 minimum in liability coverage. The best Fort Smith, AR car insurance companies are Farmers, State Farm, Liberty Mutual, Nationwide and Allstate.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Apr 27, 2022

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Cheap car insurance in Fort Smith, AR is offered by State Farm with rates as low as $27 per month. Other best Fort Smith, AR car insurance companies such as Farmers, Nationwide, Liberty Mutual, and Allstate also offer competitive premiums. Arkansas auto insurance requires you to have 25/50/25 in liability coverage, so liability insurance will pay if the driver is responsible for the accident. We recommend carrying more than the Fort Smith, AR auto insurance minimum should you get in an accident or you could find yourself facing more challenges.

Fort Smith was founded back in the early 1800’s as a buffer town to keep the peace between warring Native American tribes. Today, its old west history is a main point of attraction for prospective tourists and history buffs. From a modern perspective, Fort Smith is also a shipping hub connecting West to East as well as a center for US manufacturing.

Fun fact: Did you know that Fort Smith is #1 on the list of, “Top 101 cities with largest percentage of females working in industry of electrical equipment, appliances, and components (population 50,000+)”?

Want to compare auto insurance companies to find the best rates? Just enter your ZIP code into our free comparison tool to get started.

Auto Insurance Coverage Requirements in Arkansas

In order to drive legally in Arkansas, you will need:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 25,000/50,000
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

While purchasing the bare minimum coverage might seem like an option for affordable Fort Smith, AR auto insurance, remember that your provider will only pay out claims if, for whatever reason, the incident was deemed your fault (a.k.a. you are held “liable”). If someone hits you, vandalizes your car, or an act of nature causes severe damage, you will have to pay 100% of the repair/replacement costs.

Throughout Arkansas, the average monthly rate can be as high as $117 for most drivers. However, residents may be entitled to paying affordable auto insurance in Fort Smith, Arkansas as low as $39/month* for their insurance policies. Just keep reading more on auto insurance tips in Fort Smith, Arkansas.

Average Monthly Auto Insurance PremiumsLegend: Fort Smith Farmers State Farm Liberty Mutual Nationwide Allstate 5101520253035404550$38$27$32$53$46

The top three most affordable car insurance in Fort Smith, AR are offered by State Farm, Farmers, and Liberty Mutual right now. But that rate doesn’t reflect their customer service reputation, nor does it imply a smooth and simple claims processing service. Make sure you aren’t choosing your cheap car insurance in Fort Smith, Arkansas based on low rates alone – or you might end up regretting it. There are other companies, such as Direct Auto Insurance in Fort Smith, AR, AAA for auto insurance in Fort Smith, AR, and also Direct Auto Insurance Fort Smith, Arkansas and Dominguez (auto) Insurance Fort Smith, AR.

Auto insurance companies contemplate different factors when figuring out Fort Smith, AR auto insurance quotes, including driving violations, accident claims, Type of vehicle owned, years of driving experience, and the number of cars and drivers covered under your policy. Also keep in mind that cheap auto insurance in Fort Smith, AR differ from provider to provider. To find out whether you’re still being charged the most favorable rate, compare the cheapest auto insurance in Fort Smith, AR online.

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Major Factors in Fort Smith, AR Car Insurance

Fort Smith, AR auto insurance companies take several elements into account when designing an auto insurance policy. Unfortunately, a great number of variables are difficult or impossible to change, such as your driving experience or where you live. Other variables your car insurance company may consider include:

Your Zip Code

Your Fort Smith, AR auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Fort Smith is 87,650 and the median household income is $34,274.

Auto Insurance by Zip CodeLegend: Little Rock Fayetteville Fort Smith Jonesboro Springdale Farmers State Farm Liberty Mutual Nationwide Allstate 5101520253035404550556065$46$39$38$42$36$36$24$27$29$25$38$32$32$32$32$65$51$53$55$51$52$45$46$49$45

Automotive Accidents

The lower that the accident statistics are in your zip code, the less you will be paying for automotive insurance each month. In Fort Smith, the total number of fatal accidents in 2013 was relatively low, especially with regard to fatal DUI-related accidents.

Fatal Accidents in Fort Smith, ARLegend: Fort Smith Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 123456789101112131471117143

Auto Thefts in Fort Smith

Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance. The total number of stolen vehicles in Fort Smith was 199 back in 2013, which is a decline from recent years. However, if you have the extra money to spare and wish to protect yourself from theft, consider adding Comprehensive coverage to your auto policy.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Farmers State Farm Liberty Mutual Nationwide Allstate 153045607590105120135150165180195$38$113$27$90$32$206$53$128$46$200

Your Credit Score

If you are worried about your credit score, take a close look at the chart below. The lower your credit score, the more it will adversely influence your monthly premiums. Drivers with excellent credit can enjoy exceptionally low rates, while poor credit motorists can end up paying twice as much (or more).

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Farmers State Farm Liberty Mutual Nationwide Allstate 510152025303540455055606570$30$73$22$49$27$51$49$64$40$54

Your Age

Trying to insure a young, teenage driver? Well, it will likely be a difficult and expensive endeavor. This is because accident statistics are highest amongst young and inexperienced teenage drivers. However, good grades can qualify them for a “Good Student” discount, and driver’s ed courses can earn even further discounts.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Allstate 10203040506070$38$47$55$50$27$30$30$32$32$45Do Not Sell$39$53$61$69$72$46$49$56$58

Your Driving Record

For drivers who have a few minor citations on their record, there are providers out there who might offer you an “Accident Forgiveness” discount, which is a great way to lower your monthly rate if a few speeding tickets are the only reason your premiums are so high.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Allstate 10203040506070$38$47$55$50$27$30$30$32$32$45Do Not Sell$39$53$61$69$72$46$49$56$58

Your Vehicle

Luxury vehicles aren’t just more expensive to insure because of their base cost (which means repairs or replacements will be more expensive, too). But you’ll have to pay more for comprehensive coverage of luxury vehicles, as well. After all, most people wouldn’t risk carrying Liability coverage alone on an expensive, fancy car.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porche Boxster Spyder Farmers State Farm Liberty Mutual Nationwide Allstate 153045607590105120135150165180195210$38$113$27$113$32$207$53$147$46$220

Minor Factors in Fort Smith, AR Car Insurance

Of course, there are other factors will contribute to your monthly rate as well:

Your Marital Status

Want to know how married couples can save on automobile insurance? By bundling, that’s how. When you and your spouse bundle your policies together, you can get some serious savings. And if you have other forms of insurance – such as homeowners, or renters insurance – you can save even more by bundling those as well.

Your Gender

All other factors being equal, it is becoming increasingly rare for insurance companies to charge drastically different rates based on gender alone. Some companies still charge a 2-3% premium difference, but whether that affects males or females depends entirely on the company. Many providers don’t charge a difference based on gender at all.

Your Driving Distance to Work

The average drive to work will last most drivers less than 20 minutes in Fort Smith. The closer you live to the center of the city, the less likely you are to carpool to work. But for those who live farther away, carpool rates could reach as high as 13-23%.

Some drivers worry about how many miles they drive each year, or whether they’re commuting for work/school or for pleasure. But the truth is that these factors rarely influence your rate by more than a few percentage points. It’s whether or not you drive a business vehicle that makes a big difference – to the tune of 10-12% per month.

Your Coverage and Deductibles

Would you like more than the bare minimum coverage on your vehicle, but don’t want to pay the full-coverage premiums? Talk to your provider, or auto insurance agents in Fort Smith, Arkansas about raising your deductible. Yes, in the short term it can increase your expenses should you need to file a claim. But you can save each month over the long term.

Education in Fort Smith, AR

If you’re wondering whether your job or income have any influence over your premiums, the answer is: not much. But your education level does. The average driver in Fort Smith has at least a high school diploma or some equivalent thereof. A lesser number of motorists are still in the process of completing high school. For most, going back to school and improving upon their education could produce a significant reduction in their auto insurance rate.

Citizens of Fort Smith who desire a higher education can choose a variety of degrees, from an associates to a doctorate from a wide range of universities. The University of Arkansas has a campus in Fort Smith, as well as a business and industrial institute. John Brown University, a private university run by Christians for Christians, also has a campus located in Fort Smith.

Unfortunately for most insurance companies, a simple internet search can reveal many of their trade secrets. But even with the proper information, it can still be difficult for you as an individual to figure out your risk profile and find low-cost insurance. Make sure you do your due diligence before you commit to your next car insurance policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

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