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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
People who live in Fort Smith are mostly dependent on their cars to get around, since the city isn’t very walkable and public transit services are limited. The average household has two cars. To stay safe and legal on the road, families in Fort Smith will need a car insurance policy that covers both vehicles.
The average cost of Arkansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Fort Smith, AR to find you the cheapest quotes in the area.
Here are the cheapest carriers in Fort Smith for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | Quotes |
|---|---|
 State Farm | $63/mo |
 Allstate | $75/mo |
 Nationwide | $91/mo |
 Direct Auto | $149/mo |
 The General | $204/mo |
| Best Companies | Quotes | |
|---|---|---|
 American Family | $198/mo | |
 Liberty Mutual | $198/mo |
Arkansas Cities | |
|---|---|
| Little Rock | $190/mo |
| Fayetteville | $138/mo |
| Springdale | $130/mo |
| Jonesboro | $194/mo |
| Fort Smith | $150/mo |
| Arkansas | $160/mo |
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Arkansas' minimum liability auto insurance limits are as follows:
Young drivers under the age of 20 should be aware that their car insurance premiums are the most expensive of any resident in the area. These individuals pay nearly $400 for coverage, yet once they turn 20, prices drop to an average of $212. Once Fort Smith drivers reach their 30s, they save even more and pay around $130; however, premiums do tend to increase as time goes on, with those in their 80s paying $207.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $389 |
| 20s | $213 |
| 30s | $131 |
| 40s | $156 |
| 50s | $150 |
| 60s | $151 |
| 70s | $149 |
| 80s | $207 |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $165 |
| Speeding Ticket | $184 |
| At-Fault Accident | $227 |
| Failure to Stop for Red Light / Stop Sign | $134 |
An accident can cost a lot in Fort Smith, as drivers who are at fault will find that their car insurance rates increase about $62 compared to the $164 rate of those who have a clean driving record. A speeding ticket doesn’t help either, as premiums are often $183 after this type of violation.
It’s smart to work on boosting your credit score, but in Fort Smith, it likely won’t help you save very much money on your insurance premiums. Drivers end up paying rates that range from $163 to $188, depending on their credit rating, proving that rates in Fort Smith are based on a number of factors that often don’t include one’s credit. This may change in the future, so it’s a good idea to boost your credit if you can.
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $189 |
| Good | $164 |
| Average | $165 |
| Poor | $187 |
When you need to register your vehicle or renew your registration, you can do so online with the Arkansas DMV. And if you need a REAL ID, you can visit either of the two Fort Smith Revenue Offices. Should your registration require proof of insurance, you can easily purchase a policy online. Even if you already have car insurance, you may want to check your customized quotes with Insurify to see if you can get a better rate.
In Fort Smith, 81 percent of workers drive alone to work and an additional 12 percent carpool. There are fixed-route buses within the city limits, but less than 1 percent of workers use public transportation to commute. And only about 2 percent of workers walk to work since it’s difficult to get around on foot in Fort Smith. Uber and Lyft both operate in the city, along with traditional taxi services, but these can be expensive for long-term commuting.
Don’t be one of the estimated 16.6 percent of drivers in Arkansas who lack insurance coverage. You should purchase enough auto insurance coverage to stay legal and provide you with peace of mind.
Luckily, getting a car insurance policy doesn’t have to break the bank. When you compare customized quotes with Insurify, you could potentially save hundreds annually. You’ll just need to enter your information one time, and we’ll show you the best deals in auto insurance for your personal needs.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Fort Smith stacks up for the state of Arkansas:
