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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 | |
|---|---|
 State Farm | $63/mo |
 Allstate | $75/mo |
 Nationwide | $91/mo |
 Direct Auto | $149/mo |
 The General | $204/mo |
| Best Companies | ||
|---|---|---|
 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 | |
|---|---|
| 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 |
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 | |
|---|---|
| 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
