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Cheap Auto Insurance Quotes in Fort Smith, AR (January 2022)
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Last Updated: January 2022
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.
$63
$75
$91
$149
$204
State FarmAllstateNationwideDirect AutoThe General
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Cheapest Car Insurance in Fort Smith, AR
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Fort Smith | |
|---|---|
 State Farm | $63/mo |
 Allstate | $75/mo |
 Nationwide | $91/mo |
 Direct Auto | $149/mo |
 The General | $204/mo |
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 company reviews. The following are the top rated companies that offer car insurance in Fort Smith. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 American Family | $198/mo | |
 Liberty Mutual | $198/mo |
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Average Car Insurance Cost
| Little Rock | $190/mo |
| Fayetteville | $138/mo |
| Springdale | $130/mo |
| Jonesboro | $202/mo |
| Fort Smith | $150/mo |
| Arkansas | $162/mo |
$162
$190
$138
$130
$202
$150
ArkansasLittle RockFayettevilleSpringdaleJonesboroFort Smith
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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 Age | |
|---|---|
| teens | $389 |
| 20s | $213 |
| 30s | $131 |
| 40s | $156 |
| 50s | $150 |
| 60s | $151 |
| 70s | $149 |
| 80s | $207 |
| Driving History | |
|---|---|
| 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.
See More: High-risk Car Insurance Arkansas
See More: DUI Car Insurance Arkansas
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 Tie | |
|---|---|
| Excellent | $189 |
| Good | $164 |
| Average | $165 |
| Poor | $187 |
See More: Bad Credit Car Insurance Arkansas
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.
Find local Fort Smith agents
Business Insurance Consultants, Inc.
121 N 14th St, Fort Smith, AR 72913
Cross Pointe Advisors, LLC.
1120 Garrison Ave, Fort Smith, AR 72901
ANC Insurance Agency
1531 May Ave, Fort Smith, AR 72901
Barton & Associates Insurance
500 So. 20th St., Fort Smith, AR 72901
Gary Longley Insurance Agency
3312 Jenny Lind, Fort Smith, AR 72901
Brown-Hiller-Clark & Associates
5500 Euper Lane, Fort Smith, AR 72903-3234
Nelson Insurance Agency, Inc.
921 S 21st St, Fort Smith, AR 72901-4005
Sandy Gilkey Insurance Agency
5111 Rogers Ave Ste 547, Fort Smith, AR 72903
Nationwide Insurance: Lamberson Insurance Agency Inc.
521 S 21st St, Fort Smith, AR 72901
Berryhill Insurance Group
2322 S 58th St, Fort Smith, AR 72903
Insurify Insights: How Fort Smith Drivers Measure Up
Fort Smith, AR
Suspended Licenses Rank
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Fort Smith drivers measure up to their fellow Arkansas motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Fort Smith
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Fort Smith drivers rank 22 in the number of car accidents per driver across all cities in Arkansas.
- Rank within state: #22
- Percent of drivers in Fort Smith with an accident: 8.69%
- Drivers in Fort Smith, AR with an accident in their driving history paid on average 61.38% more than drivers with a clean record
Speeding in Fort Smith
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arkansas, Fort Smith drivers rank 16 in the number of speeding infractions per driver.
- Rank within state: #16
- Percent of drivers in Fort Smith with a speeding ticket: 9.68%
- Drivers in Fort Smith, AR with a speeding ticket in their driving history paid on average 46.9% more than drivers with a clean record
DUI/DWIs in Fort Smith
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Fort Smith drivers rank 17 in the number of DUI’s per driver across all cities in Arkansas.
- Rank within state: #17
- Percent of drivers in Fort Smith with a DUI: 2.12%
- Drivers in Fort Smith, AR with a DUI in their driving history paid on average 23.45% more than drivers with a clean record
Most Popular Vehicle in Fort Smith
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Fort Smith is the Nissan Altima.
Rude Drivers in Fort Smith
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arkansas, Fort Smith drivers rank 3 in rude driving infractions.
- Rank within state: #3
- Percent of drivers in Fort Smith with a reckless driving violation: 2.4%
- Drivers in Fort Smith, AR with a reckless driving violation in their driving history paid on average 41.38% more than drivers with a clean record.
Safest Drivers in Fort Smith
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Fort Smith drivers rank 10 in clean driving records across all cities in Arkansas.
- Rank within state: #10
- Percent of drivers in Fort Smith with clean record: 81.77%
Failure to Yield the Right of Way in Fort Smith
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Fort Smith drivers rank 2 in failure to yield violations per driver across all cities in Arkansas.
- Rank within state: #2
- Percent of drivers in Fort Smith with a failure to yield violation: 0.92%
- Drivers in Fort Smith, AR with a failure to yield violation in their driving history paid on average 1000% more than drivers with a clean record
Reckless Drivers in Fort Smith
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arkansas, Fort Smith drivers rank 5 in the number of reckless driving offenses per driver.
- Rank within state: #5
- Percent of drivers in Fort Smith with a reckless driving offense: 0.14%
Hybrid/Electric Vehicle Ownership in Fort Smith
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Fort Smith drivers rank 27 in hybrid and electric vehicle ownership across all cities in Arkansas.
- Rank within state: #27
- Percent of drivers in Fort Smith with a hybrid/electric vehicle: 0.32%
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.
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.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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