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Key Takeaways

  • Young drivers under the age of 20 should be aware that they pay the highest local costs for auto insurance.
  • Rates in Fort Smith are determined by a variety of factors, many of which do not take into account a person's credit.
  • Your rate may differ not just from state to state or city to city but even from block to block due to state laws and risk assessments connected with zip codes.

Introduction

Near the Arkansas-Oklahoma border, Fort Smith is located along the Arkansas River. Despite being a densely populated suburban region with about 90,000 residents, it offers a low cost of living and crime rate. Nevertheless, city auto insurance premiums are frequently very costly.

Auto insurance requirements in Fort Smith, Arkansas

All motor vehicles used or parked on roads in Arkansas must have insurance. You must always have proof of insurance with you in your car and be able to provide it when:

  • demand from law enforcement
  • vehicle registration renewal
  • The car is involved in a collision.

The following are Arkansas's minimal liability insurance requirements for private passenger vehicles:

  • $25,000 for each person's physical injury
  • $50,000 per accident for injuries to people

Bodily injury coverage is a core part of your liability insurance and pays for the medical costs associated with accident-related injuries to individuals other than the policyholder. Since Arkansas is an at-fault state, the person who caused the incident is also liable for covering any related costs, either through their auto insurance company or personally.

  • $25,000 for property damage per accident

This coverage covers the cost of repairing the property of the other parties involved in an accident, even if it is found that one of the drivers is at fault. Additionally, if the insured driver is named in a subsequent lawsuit, property damage coverage may pay the associated legal fees.

Fort Smith Auto Insurance Premiums by Company

Insurance Company Average Annual Premium
Safeco $2353
Safe Auto $3132
Dairyland $2550
Travelers $2536
Progressive $2139
All State $2429
Nationwide $2633

Nobody in Fort Smith can get the best deal from a single company. The best course of action is to compare many rates from various carriers, especially if you've recently moved or want to maximize your coverage.

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Fort Smith Auto Insurance Premiums by Age Group

Age Bracket Average Annual Premium
Teenagers $4680
20s $2568
30s $1584
40s $1884
50s $1812
60s $1824
70s $2496

Young drivers under the age of 20 should be aware that they pay the highest local costs for auto insurance. When they reach 20, costs for coverage drop to an average of $2568, saving these people close to $4812. Fort Smith drivers save even more once they reach their 30s and pay roughly $1584.

Fort Smith Auto Insurance Premiums by Driving Record

In Fort Smith, getting into an accident may be expensive as drivers who are at fault will see a rise in their auto insurance rates of roughly $62, as opposed to those who have a clean driving record, who would see a rate increase of $164. Getting a speeding ticket also doesn't help because rates following this kind of offense are frequently $2208.

Driving violation/ incident Average Annual Premium
At-fault accidents (damages <$1000) $2736
Speeding tickets $220

Fort Smith Auto Insurance Premiums by Credit Score

Although it is a good idea to concentrate on improving your credit score, doing so in Fort Smith is unlikely to result in significant cost savings on your insurance premiums.

Depending on their credit score, drivers wind up paying rates between $1968 and $2268, demonstrating that rates in Fort Smith are determined by a variety of factors, many of which do not take into account a person's credit. It would be wise to raise your credit score if you can because this could alter in the future.

Credit Score Average Annual Premium
Very Poor $2280
Fair $1992
Good $1980
Exceptional $2280

Fort Smith Auto Insurance Premiums by Zip Code

Your rate may differ not just from state to state or city to city but even from block to block due to state laws and risk assessments connected with zip codes. Finding the optimal coverage becomes quite difficult when there are so many variables at play.

Zip Code Average Annual Premium
72903 $960
72904 $1680

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What would affect your car insurance rates in Fort Smith, Arkansas?

Several factors, such as your age, gender, car make and model, and zip code of residence, affect your car insurance prices.

In addition to credit score, accident or citation history, insurance claim history, relationship status, and job title, Fort Smith residents' vehicle insurance payments are also influenced by several other factors.

How to save on auto insurance in Fort Smith, Arkansas?

Here are some quick and easy strategies to reduce your Fort Smith auto insurance costs.

Frequently shop and compare prices

In fact, buying auto insurance doesn't have to be a one-and-done process. In fact, industry professionals advise comparing quotations from at least three businesses and looking for new prices every six months!

Yes, that does sound like a major hassle, especially if it only saves you a few extra bucks per month.

Look for discounts

Finding discounts is the one insurance cost-cutting tip that involves some effort on your part. Although they are provided by all insurance companies, they are not all the same, and businesses frequently choose not to promote them directly.

Therefore, it is up to you to look for the greatest deals. Ask your insurance provider by phone about the following discounts:

Tips for driving in Fort Smith, Arkansas

  • Keep your car's maintenance up to date before a severe weather disaster.
  • Check the treads on your tires, clean the covers of your headlights, and inspect your windshield wipers.
  • Maintain an emergency supply kit in your vehicle that includes drinking water, booster cables, an ice scraper, flares, and a blanket.
  • In all weather, you should always slow down and give the driver behind you plenty of room.

Best car insurance companies in Fort Smith, Arkansas

  • Safeco
  • Safe Auto
  • Dairyland
  • Travelers
  • Progressive
  • All State
  • Nationwide

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

How much is car insurance in Fort Smith?

In Fort Smith, the average yearly cost of auto insurance is $2196.

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