Cheapest Auto Insurance in Fort Smith, Arkansas (2026)
With monthly liability rates as low as $41, State Farm is the cheapest car insurance company in Fort Smith.
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Theresa Stevens
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Ashley CoxSenior Managing Editor
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Fort Smith is located in northwest Arkansas along the Arkansas River. The average monthly cost of car insurance in Fort Smith is $114 — slightly lower than the statewide average of $115 per month and similar to the national monthly average of $140. 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 Trexis have the cheapest car insurance in Fort Smith.
Liability insurance in Fort Smith costs an average of $79 per month, and full coverage costs $148 per month.
Fort Smith drivers pay a yearly average of $1,776 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 Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $90 | $41 | Full coverage |
| USAA | 9.1 | $110 | $50 | Military members and their families |
| GEICO | 9.2 | $136 | $62 | Discounts |
Disclaimer: Table data sourced from real-time Fort Smith car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Smith 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 10 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 55,000 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
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $41/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. | $89/mo |
4.0
Best choiceBased on 17,079 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 15 Arkansas reviews for Fort Smith driversSee all 7,391 State Farm reviews
Verified Review
Reviewed in Arkansas on February 16, 2026
$200 is way too much for someone with a clean driving record.
Verified Review
Reviewed in Arkansas on January 28, 2026
Insured with State Farm for 50 years, and they sell what makes them the most. The price is too high.
Verified Review
Reviewed in Arkansas on January 11, 2026
I have not had to make a claim yet, but in the three years we have lived in Arkansas, our car insurance has been terribly high. We also have homeowners insurance. It has gone up so high that we are reaching the point of having it pulled way back to about nothing. I have a really hard time believing that both of these are appropriate. I have seen our insurer's new office. It is ridiculously fancy. While we struggle out here, the prices just keep going up. It greatly saddens me that they are this way.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for military members and their families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $50/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. | $109/mo |
4.9
Best choiceBased on 3,418 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 6 Arkansas reviews for Fort Smith driversSee all 1,531 USAA reviews
Verified Review
Reviewed in Arkansas on March 22, 2026
Perfect but PRICEY!
Verified Review
Reviewed in Arkansas on March 3, 2026
Astronomical rates that keep rising on my 2016 car. Monthly premium rates are too high.
Verified Review
Reviewed in Arkansas on January 9, 2026
I have never filed a claim, but the rates just keep going up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for discounts: GEICO
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| 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. | $61/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. | $135/mo |
3.9
A solid optionBased on 17,309 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 10 Arkansas reviews for Fort Smith driversSee all 7,605 GEICO reviews
Verified Review
Reviewed in Arkansas on April 8, 2026
It was great until my policy increased substantially at every renewal, despite having no tickets or accidents. I drive 2.3 miles to work and home, and I am done paying $200 a month.
Verified Review
Reviewed in Arkansas on February 25, 2026
Geico has been steadily raising our rate, and we have no accidents or tickets. I went to switch to Progressive, who saved me a considerable amount of money, but when my wife got on with Geico to cancel, they said we were on an old system and she could beat Progressive by $100. My wife said yes, and we are paid for the year. I would have happily paid Progressive the extra $100 to get away from Geico.
Verified Review
Reviewed in Arkansas on February 12, 2026
I was late on my payment, and that caused it to at least double. I'm on a fixed income, so coming up with more money for insurance is just not in my budget.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
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 $41 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 $79 per month. Here are some of the lowest rates for liability-only car insurance in Fort Smith.
The below rates in Fort Smith, AR, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $41 |
| USAA | $50 |
| Trexis | $58 |
| GEICO | $61 |
| National General | $63 |
| Auto-Owners | $68 |
| Root | $70 |
| Trexis One | $75 |
| GAINSCO | $80 |
| Direct Auto | $81 |
| Safeco | $82 |
| Shelter | $89 |
| Allstate | $90 |
| Farmers | $91 |
| Nationwide | $91 |
| Travelers | $96 |
| The General | $97 |
| Dairyland | $107 |
| Liberty Mutual | $125 |
| Bristol West | $127 |
Disclaimer: Table data sourced from real-time Fort Smith car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Smith 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 $148 for full-coverage insurance.
Here are some of the cheapest rates for full coverage in Fort Smith:
The below rates in Fort Smith, AR, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $89 |
| USAA | $109 |
| Root | $125 |
| GEICO | $135 |
| National General | $142 |
| Safeco | $150 |
| Auto-Owners | $152 |
| Direct Auto | $152 |
| Trexis | $163 |
| Shelter | $196 |
| Allstate | $199 |
| Trexis One | $199 |
| Nationwide | $200 |
| Farmers | $201 |
| GAINSCO | $209 |
| Travelers | $212 |
| Liberty Mutual | $227 |
| Dairyland | $246 |
| The General | $260 |
| Bristol West | $307 |
Disclaimer: Table data sourced from real-time Fort Smith car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Smith may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Fort Smith, Arkansas drivers
Drivers using Insurify have found quotes as cheap as $50/mo for liability only and $90/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 April 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 15, 2026. 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 April 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 15, 2026. 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]
Coverage | Minimum 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:
Roadside assistance coverage
Roadside assistance provides lock-out assistance, tire changes, tows, and more.
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.
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 in Fort Smith, AR, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $41 | $52 | $54 | $60 |
| USAA | $50 | $64 | $66 | $73 |
| Trexis | $58 | $72 | $75 | $86 |
| GEICO | $61 | $79 | $79 | $88 |
| Auto-Owners | $68 | $88 | $89 | $99 |
| Trexis One | $75 | $93 | $97 | $111 |
| Root | $70 | $93 | $93 | $103 |
| GAINSCO | $80 | $95 | $101 | $117 |
| Direct Auto | $81 | $101 | $109 | $118 |
| Safeco | $82 | $107 | $113 | $127 |
| Farmers | $91 | $116 | $120 | $133 |
| Allstate | $90 | $116 | $119 | $131 |
| Nationwide | $91 | $117 | $121 | $133 |
| Shelter | $89 | $118 | $119 | $131 |
| Travelers | $96 | $124 | $128 | $140 |
| The General | $97 | $129 | $132 | $137 |
| Dairyland | $107 | $132 | $140 | $156 |
| Liberty Mutual | $125 | $158 | $164 | $183 |
| Bristol West | $127 | $159 | $165 | $185 |
Disclaimer: Table data sourced from real-time Fort Smith car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Smith 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.
Age | Average Monthly Quote |
|---|---|
| Teens | $416 |
| 20s | $277 |
| 30s | $203 |
| 40s | $180 |
| 50s | $157 |
| 60s | $145 |
| 70s | $162 |
Disclaimer: Table data is based on real-time Fort Smith quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Shop for Car Insurance in Fort Smith, AR
Check quotes from 120+ top insurance companies
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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
Category | Price |
|---|---|
| Excellent | $183 |
| Good | $208 |
| Fair | $229 |
| Poor | $332 |
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 $79 per month for liability coverage and $148 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 $41. USAA and Trexis also offer affordable coverage, with respective monthly liability rates of $50 and $58.
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 9.3 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.
Sources
- Insurance Information Institute. "How to save money on car insurance."
- Arkansas Department of Finance and Administration. "Safety Responsibility."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- National Highway Traffic Safety Administration. "Teen Driver Safety."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
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Written byTheresa Stevens
Theresa Stevens
AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Featured in
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969