Cheapest Car Insurance Quotes in Fort Smith

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Fort Smith Car Insurance

^$ 28

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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

Table of Contents

How Much Is Car Insurance in Fort Smith

The car insurance rate in Fort Smith is $912 for a six-month policy, which is $79 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $443, making it a popular choice for budget-conscious drivers. Rates in Fort Smith can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Fort Smith

$912

Avg. Car Insurance in Arkansas

$991

National Average

$1278

Cheapest Car Insurance Companies in Fort Smith

1st place: AutoOwners Insurance Co

At $443 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $580 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $595 for six months, making it the third cheapest auto insurance company in Fort Smith.

Fort Smith Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Smith, AR is AutoOwners Insurance Co, offering policies at just $443 for a six-month term. This is followed by Travelers, which has an average six-month premium of $580.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1612 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Smith drivers find the best deals.

Cheap Car Insurance Companies in Fort Smith, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$443	$75
Travelers	$580	$98
AAA	$595	$101
Southern Farm Bureau	$639	$108
USAA	$673	$113
Nationwide	$792	$133
State Farm	$803	$135
Shelter	$809	$136
Farmers	$1065	$179
Farm Bureau	$1071	$178
Auto-Owners	$1093	$184
Allstate	$1284	$216
Alfa	$1317	$224
Progressive	$1612	$271

Key Takeaways

Way's key takeaways about car insurance in Fort Smith

The auto insurance costs in Fort Smith fall around $443 for six months.
The cheapest auto insurance company in Fort Smith is USAA.
Teen drivers pay the highest rate in Fort Smith at $1064 per month.

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Cheapest Minimum Liability Car Insurance in Fort Smith

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Fort Smith are given below.

USAA provides the cheapest minimum car insurance coverage in Fort Smith. Their Average 6 Month Premium is $164. Farmers is the most expensive at $595 for the same period.

Cheapest Liability Coverage in Fort Smith, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$164	$28
Auto-Owners Insurance Co	$175	$29
State Farm	$208	$35
Travelers	$213	$36
AAA	$219	$37
Southern Farm Bureau	$224	$38
Auto-Owners	$246	$41
Nationwide	$251	$42
Alfa	$262	$44
Shelter	$262	$44
Farm Bureau	$284	$49
Progressive	$290	$49
Allstate	$498	$84
Farmers	$595	$99

Cheapest Full Coverage Car Insurance in Fort Smith

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Fort Smith is AutoOwners Insurance Co at $75 per month and $443 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Smith, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$443	$75
Travelers	$580	$98
AAA	$595	$101
Southern Farm Bureau	$639	$108
USAA	$673	$113
Nationwide	$792	$133
State Farm	$803	$135
Shelter	$809	$136
Farmers	$1065	$179
Farm Bureau	$1071	$178
Auto-Owners	$1093	$184
Allstate	$1284	$216
Alfa	$1317	$224
Progressive	$1612	$271

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Average Car Insurance in Fort Smith by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Fort Smith, AR increasing?

Despite maintaining a clean driving record, your car insurance rates in Fort Smith, Arkansas, may be increasing due to several external factors. Arkansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Fort Smith's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Fort Smith

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Fort Smith,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Fort Smith at $24 per month. At $6257 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$142	$24
Travelers	$235	$40
Auto-Owners Insurance Co	$257	$43
AAA	$273	$46
Southern Farm Bureau	$961	$162
USAA	$1180	$199
Nationwide	$1295	$218
State Farm	$1591	$268
Farm Bureau	$1907	$324
Alfa	$2044	$340
Shelter	$2443	$411
Auto-Owners	$3487	$581
Progressive	$4612	$776
Allstate	$5766	$971
Farmers	$6257	$1064

Teen Car Insurance Rates in AR by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Fort Smith, Nationwide is the cheapest car insurance provider. At $246 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Fort Smith is State Farm, offering rates of around $4530 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$246	$41
Southern Farm Bureau	$268	$45
Home State Ins Group	$273	$47
Travelers	$322	$53
Alfa	$771	$130
Shelter	$1039	$175
USAA	$1087	$185
Progressive	$1355	$228
Farmers	$1524	$257
Farm Bureau	$1896	$316
Allstate	$2673	$454
Auto-Owners	$3809	$635
State Farm	$4530	$770

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Car Insurance Rates with An Accident in Fort Smith

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Fort Smith, AR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Smith

The cheapest car insurance companies after an at-fault accident in Fort Smith include Hanover and Travelers, offering $164 and $279, respectively. Allstate is an expensive provider with an average six-month premium of $2405.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$164	$28
Travelers	$279	$47
Auto-Owners Insurance Co	$284	$47
Home State Ins Group	$350	$60
State Farm	$552	$93
USAA	$558	$94
Southern Farm Bureau	$656	$110
Shelter	$820	$138
Farm Bureau	$842	$142
Nationwide	$924	$155
Auto-Owners	$1087	$183
Farmers	$1410	$237
Progressive	$1645	$277
Alfa	$2044	$348
Allstate	$2405	$405

Fort Smith Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Smith AR. For example, the car insurance in Fort Smith after a DUI increases to $617 for a six month policy. While the rate increases by $262 for a six-month policy in the case of a speeding ticket.

Fort Smith auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1093	$182
One Med/PIP claim	$1110	$189
Not-at-fault accident	$1115	$186
One comp claim	$1115	$190
Two Med/PIP claims	$1132	$189
Two comp claims	$1158	$197
Failure to wear a seat belt	$1312	$219
Child safety restraint	$1322	$224
Driving without lights	$1322	$221
Failure to show documents	$1339	$227
Driving with expired registration	$1355	$226
Speeding 6 - 10 MPH over limit	$1355	$230
Driving too slowly	$1361	$227
Speeding 11 - 15 MPH over limit	$1361	$231
Speeding in school zone	$1361	$227
Speeding 16 - 20 MPH over limit	$1366	$233
Failure to stop at a red light	$1372	$228
Failure to yield	$1372	$234
Wrong way/wrong lane	$1377	$229
Cell phone violation	$1383	$236
In 65 MPH zone	$1383	$230
Texting while driving	$1383	$236
Following too closely	$1388	$231
Illegal turn	$1388	$236
Improper passing	$1388	$231
Speeding 21 - 25 MPH over limit	$1415	$241
At-fault accident - less than $1000	$1420	$236
Passing school bus	$1432	$244
Operating a vehicle without permission	$1476	$246
Open container	$1503	$256
At-fault accident - $1000-$2000	$1535	$256
At-fault accident - greater than $2000	$1541	$262
DUI	$1710	$285
Racing	$1710	$291
Refusal to submit to a chemical test	$1710	$285
Reckless driving	$1738	$295
Driving with a suspended license	$1787	$298
Leaving scene of an accident/hit and run	$1820	$309

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Fort Smith after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Fort Smith.

The cheapest car insurance premiums in Fort Smith are offered by Hanover at $175 for a six-month policy. However, it can be as expensive as $2415 with companies like AutoOwners.

Fort Smith car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$175	$29
Home State Ins Group	$295	$49
Travelers	$306	$52
Southern Farm Bureau	$606	$102
Farm Bureau	$787	$132
USAA	$885	$149
State Farm	$940	$158
Progressive	$1076	$181
Shelter	$1312	$221
Alfa	$1913	$319
Nationwide	$2006	$341
Allstate	$2099	$353
Farmers	$2388	$406
Auto-Owners	$2415	$403

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Fort Smith are offered by Hanover at $153. However, it can be as expensive as $1918 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fort Smith after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$153	$26
Southern Farm Bureau	$164	$28
Auto-Owners Insurance Co	$202	$34
Nationwide	$224	$38
Travelers	$268	$45
Home State Ins Group	$284	$49
State Farm	$580	$98
USAA	$732	$124
Shelter	$1071	$178
Progressive	$1076	$181
Farm Bureau	$1153	$192
Auto-Owners	$1301	$221
Farmers	$1372	$231
Alfa	$1874	$318
Allstate	$1918	$319

Car Insurance Price Trends in Fort Smith, Arkansas

Car insurance rates in Fort Smith have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Fort Smith rose by $196 in January compared to $182 of December. In other words, there has been an increase by $14 when you compare January and December.

The average cost of liability insurance in the Fort Smith rose to $43 in January, compared to $42 in December. This represents an increase of $1 when comparing January and December.

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Average Car Insurance Cost in Fort Smith by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Fort Smith. At $1121 for a six-month policy, insuring your car at 72901 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
72901	$1121	$188
72908	$1039	$175
72904	$1139	$192
72916	$993	$167
72903	$1157	$195

Frequently Asked Questions

How much is car insurance in Fort Smith?

The car insurance in Fort Smith is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Smith?

The cheapest car insurance in Fort Smith is $75 per month for full coverage.

How much is car insurance in Fort Smith for teenagers?

Car insurance for teenagers costs $142 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Fort Smith?

The average cost of car insurance is $991 for a six-month policy. It will cost around $154 per month to insure your car in Fort Smith.

Is car insurance expensive in Fort Smith?

Car insurance can be expensive in Fort Smith if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Fort Smith can be affordable.

Cheapest Car Insurance Quotes in Fort Smith

Why you can trust Way?

How Much Is Car Insurance in Fort Smith

Avg. Car Insurance in Fort Smith

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Fort Smith

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Fort Smith Car Insurance Rates by Company

Cheap Car Insurance Companies in Fort Smith, AR

Way's key takeaways about car insurance in Fort Smith

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fort Smith

Cheapest Liability Coverage in Fort Smith, AR

Cheapest Full Coverage Car Insurance in Fort Smith

Cheapest Full Coverage Car Insurance Quotes in Fort Smith, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fort Smith by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Fort Smith, AR increasing?

Car Insurance Premiums by Age in Fort Smith

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fort Smith,AR

If you are in your twenties N/A is the best choice for car insurance in Fort Smith.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Fort Smith

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Smith

Fort Smith Car Insurance Rates by Violation

Fort Smith auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fort Smith after a DUI

Fort Smith car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fort Smith after Speeding ticket

Car Insurance Price Trends in Fort Smith, Arkansas

Average Car Insurance Cost in Fort Smith by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fort Smith, AR

Car Insurance Rates by State in the USA (2025 Update)

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