Cheapest Auto Insurance in Fort Smith, Arkansas (2024)

With monthly liability rates as low as $26, State Farm is the cheapest car insurance company in Fort Smith.

Theresa Stevens
Theresa Stevens
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  • 6 years experience in the personal financial industry

Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.


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Ashley Cox
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Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

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Updated June 16, 2024

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Cheapest recent rates near Fort Smith, Arkansas

Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $59/mo for full coverage in Fort Smith and other Arkansas cities.

*Quotes generated for Insurify users in and around Fort Smith, Arkansas within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Fort Smith, Arkansas within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Fort Smith is located in northwest Arkansas along the Arkansas River. The average monthly cost of car insurance in Fort Smith is $167 — slightly lower than the statewide average of $190 per month and similar to the national monthly average of $160. The lower average rates in Fort Smith may be due in part to the city’s low population density.

Here’s what you need to know about comparing quotes and finding cheap car insurance in Fort Smith.

Quick Facts
  • State Farm, USAA, and GEICO have the cheapest car insurance in Fort Smith.

  • Liability insurance in Fort Smith costs an average of $100 per month, and full coverage costs $233 per month.

  • Fort Smith drivers pay a yearly average of $2,791 for full-coverage policies.

3 of the cheapest car insurance companies in Fort Smith

People looking to get on the road in Fort Smith will need car insurance to operate a motor vehicle legally. Car insurance rates in Fort Smith depend on various factors, including your ZIP code, driving history, vehicle year, make, and model type.

Start your search with these top insurers below. Rates shown in the table are for the state of Arkansas.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$59$29Full coverage
USAA4.7$72$35Military members and their families
GEICO4.4$89$44Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for full coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$26/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$53/mo

State Farm offers affordable auto insurance to customers nationwide and has a network of 19,000 insurance agents. State Farm offers a wide range of insurance products, including collision, comprehensive, liability, and rental car reimbursement coverage.

Pros
  • A++ (Superior) financial strength rating from AM Best

  • Offers rideshare insurance

Cons
  • Discounts and insurance options vary by state

  • No gap insurance

Read our State Farm review
Rosa - June 16, 2024
Verified

Not Happy

The individual agent was excellent, but as a whole, I'm not satisfied with State Farm. They didn't renew my policy just because I filed a claim. I wasn't given any explanation. I've always heard that State Farm cancels senior citizens.

Ruth - June 16, 2024
Verified

Not Happy At All

They turn a simple policy inclusion into a claim, which doesn't go away and causes the prices to increase.

John - June 16, 2024
Verified

Overpriced and Unresponsive Sales Team

I am disappointed.

Best insurer for military members and their families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$31/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$64/mo

USAA offers auto insurance and various other financial products, such as life insurance, homeowners insurance, and renters insurance, to military members, veterans, and their families. Fort Smith is home to more than 5,000 veterans, and they might benefit from USAA auto insurance coverage.

Pros
  • Deployment discount

  • Offers banking and retirement products

Cons
  • Only available for military members and their families

  • Requires membership

Read our USAA review
Gerald - June 16, 2024
Verified

Unhappy

They keep raising the price.

Gerald - June 16, 2024
Verified

My Insurance Rates Have Gotten Very High

They are quick to raise their rates.

Kenneth - June 15, 2024
Verified

Not Good

They're not too good at relating to customers.

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$79/mo

GEICO was established in 1936 and is one of the largest insurance companies in the United States. GEICO offers a wide range of discounts to help drivers save money on their auto insurance bill, such as vehicle equipment and customer loyalty discounts.

Pros
  • Discounts for good drivers

  • A++ (Superior) AM Best financial strength rating

Cons
  • Below-average J.D. Power customer satisfaction rating in the Central region

  • Doesn’t offer gap insurance

Read our GEICO review
Joseph J - June 16, 2024
Verified

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

David - June 16, 2024
Verified

GEICO's Rates are Too High

The premiums have increased astronomically.

Cynthia - June 16, 2024
Verified

Poor Service

Stay away from this disorganized, greedy, and rarely available company.

How to get the cheapest car insurance in Fort Smith

Here are some tips to help you find affordable coverage in Fort Smith:[1]

  • Choose a higher deductible. Selecting a higher deductible usually results in cheaper monthly premiums. But you’ll have higher out-of-pocket costs if you need to file a claim.

  • See what discounts you qualify for. Ask your insurance agent about the discounts available from different insurance companies. Common discounts include multi-policy, safe driver, and customer loyalty discounts.

  • Shop around. It’s a good idea to compare prices and coverage options from at least three different car insurance companies to find the right coverage for your specific needs.

Find Cheap Car Insurance in Fort Smith

Liability rates start at $26 per month

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Cheapest liability-only car insurance in Fort Smith: State Farm

Drivers looking for minimum coverage and low rates may want to consider liability-only car insurance. Liability insurance is a requirement in every state except New Hampshire. It covers the medical bills and property damage of the other driver in an accident you cause. But liability insurance doesn’t cover your own injuries or damages.

Liability insurance in Fort Smith costs an average of $100 per month. Here are some of the lowest rates for liability-only car insurance in Fort Smith.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$26
USAA$31
GEICO$39
Auto-Owners$44
Safeco$48
National General$51
Shelter$57
Allstate$58
Farmers$58
Nationwide$58
Progressive$62
Travelers$62
Hallmark$79
Liberty Mutual$79
GAINSCO$85
Dairyland$87
Midvale Home & Auto$89
The General$113
Direct Auto$114
Bristol West$135
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Fort Smith: State Farm

Full-coverage car insurance provides broader protection than liability-only coverage. Unlike liability insurance, full coverage pays for damages to your vehicle and typically includes collision and comprehensive coverage. Drivers may want to consider full coverage if they drive an expensive vehicle or simply want greater peace of mind on the road.

Full coverage is typically pricier than liability insurance since it offers more protection. But it’s still possible to find affordable policies. Fort Smith drivers pay a monthly average of $233 for full-coverage insurance.

Here are some of the cheapest rates for full coverage in Fort Smith:

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$53
USAA$64
GEICO$79
Auto-Owners$89
Safeco$106
Shelter$116
Allstate$117
Farmers$118
Nationwide$118
Travelers$124
Progressive$125
National General$133
Midvale Home & Auto$150
State Auto$168
GAINSCO$183
Liberty Mutual$188
Dairyland$214
Hallmark$215
The General$234
Direct Auto$258
Bristol West$322
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Fort Smith, Arkansas

Drivers using Insurify have found quotes as cheap as $44/mo for liability only and $59/mo for full coverage in Fort Smith and other Arkansas cities.

*Quotes generated for Insurify users in and around Fort Smith, Arkansas within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Fort Smith, Arkansas within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Arkansas

Like most states, Arkansas follows a traditional fault-based system, meaning the person who causes a car accident is finally responsible for the resulting losses.

Here are the minimum car insurance requirements in Arkansas:[2]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000

If you want to boost your protection above the minimum coverage requirements, consider adding optional coverage types to your policy, such as:

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance provides lock-out assistance, tire changes, tows, and more.

  • illustration card https://a.storyblok.com/f/162273/150x150/13c17bd678/car-service-96x96-orange_027-car-lift.svg

    Gap coverage

    Gap insurance helps cover the difference between what you owe on your car loan and the value of the car if you total it.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement coverage

    If you need a rental car because your car is in the shop, this coverage pays for the cost of a rental car up to the policy limits.

Cheapest car insurance for drivers with an incident

If you have an incident on your record — such as an at-fault accident, speeding ticket, or DUI — it can be more challenging to find cheap car insurance.[3] Insurers view drivers with these incidents as higher-risk and increase their rates to make up for this added risk. Generally, having multiple incidents on your record will result in a more drastic rate increase than having one incident.

Here are some of the average liability rates drivers with incidents pay in Fort Smith.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm$26$34$35$44
USAA$31$41$42$52
GEICO$39$52$53$66
Auto-Owners$44$58$60$74
Safeco$48$65$64$81
National General$51$66$70$86
Shelter$57$79$81$96
Allstate$58$77$79$98
Farmers$58$76$79$98
Nationwide$58$77$80$98
Progressive$62$82$86$105
Travelers$62$83$85$105
Hallmark$79$105$104$134
Liberty Mutual$79$115$118$134
GAINSCO$85$124$112$144
Dairyland$87$116$119$147
Midvale Home & Auto$89$122$128$150
The General$113$151$157$191
Direct Auto$114$152$159$193
Bristol West$135$178$182$228
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Age is a major factor that affects the cost of car insurance. Rates tend to level out around age 35 but increase again around 70. The risk of being injured in a car accident increases as people age, which may explain the higher rates for older drivers. Teen drivers have the highest rates out of all age groups due to inexperience and higher accident rates.[4]

Here are the average rates for drivers of different ages in Fort Smith.

AgeAverage Monthly Quote
Teens$416
20s$277
30s$203
40s$180
50s$157
60s$145
70s$162
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Fort Smith, AR

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Fort Smith car insurance quotes by credit tier

The state of Arkansas allows car insurance companies to consider a driver’s credit history when setting car insurance rates. Drivers with bad credit may receive higher rates because insurers perceive them as a higher risk than drivers with good credit.

Here are the average monthly rates in Arkansas for drivers with different credit tiers:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Fort Smith car insurance FAQs

If you’re shopping for car insurance in Fort Smith, this additional information may help as you research your coverage options.

  • How much is car insurance in Fort Smith?

    Car insurance in Fort Smith costs an average of $100 per month for liability coverage and $233 per month for full coverage, according to Insurify data.

  • Which company has the cheapest car insurance in Fort Smith?

    State Farm has the cheapest car insurance in Fort Smith, with monthly liability rates as low as $26. USAA and GEICO also offer affordable coverage, with respective monthly liability rates of $31 and $39.

    But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, vehicle, and coverage levels.

  • What are the best car insurance companies in Fort Smith?

    With a high Insurify Quality (IQ) Score of 4.6 out of 5, an A++ (Superior) financial strength rating from AM Best, and above-average J.D. Power customer satisfaction scores, State Farm is the best car insurance company in Fort Smith.

    Other top insurers to consider include GEICO and USAA.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "How to save money on car insurance."
  2. Arkansas Department of Finance and Administration. "Safety Responsibility."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. National Highway Traffic Safety Administration. "Teen Driver Safety."
Theresa Stevens
Theresa Stevens

Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

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