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

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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.

Car Insurance in Fort Smith, AR

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.

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Cheapest Car Insurance in Fort Smith, AR

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.

Best Car Insurance in Fort Smith, AR

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Fort Smith. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Fort Smith, AR Driving Facts

Minimum Car Insurance Requirements in AK

Arkansas' minimum liability auto insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Fort Smith Car Insurance Rates by Driver Age

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 AgeAvg. Monthly Cost
Driving HistoryAvg. Monthly Cost
No Violation$165
Speeding Ticket$184
At-Fault Accident$227
Failure to Stop for Red Light / Stop Sign$134

Fort Smith Car Insurance Rates by Driving and Accident History

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.

Fort Smith Car Insurance Rates by Credit Tier

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 TieAvg. Monthly Cost

Fort Smith, AR DMV Information

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.

Public Transportation in Fort Smith, AR

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.

Conclusion: How to get the best and cheapest car insurance in Fort Smith, AR

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.

Insurify Rankings

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:

Nissan Altima
Most Popular Car in
Fort Smith, AR
suspended licenses
Cities with Most
Suspended Licenses Rank

FAQs - Fort Smith, AR Car Insurance

How much does car insurance in Fort Smith cost?

Auto insurance in Fort Smith is relatively affordable. At an average premium of $150 per month, it’s cheaper than the state or national average premiums for car insurance. And some providers may be able to offer rates as low as $63 to drivers with a clean record.

What are the minimum car insurance requirements in Arkansas?

To drive legally in Arkansas, you’re required to carry a minimum of: $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per person in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage But keep in mind that these minimum requirements won’t cover damages to your vehicle for an accident that you cause. If you have a loan or a lease, you may be required to purchase full coverage. And even if you own your car outright, you should consider getting a more robust policy than the legal minimum requirement.

What is the penalty for driving uninsured in Arkansas?

The fines for driving without car insurance in Arkansas are as follows: $50 to $250 for your first offense $250 to $500 for your second offense $500 to $1,000 and up to one year in county jail for your third offense To ensure you don’t get slapped with a fine and protect your finances in the case of an accident, you should have an auto insurance policy before you get behind the wheel.