Cheapest Car Insurance Quotes in Fort Smith

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399,755 Policies Sold

Fort Smith Car Insurance

^$ 20

/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 $1084 for a six-month policy, which is $99 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $673, 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

$1084

Avg. Car Insurance in Montana

$985

National Average

$1140

Cheapest Car Insurance Companies in Fort Smith

1st place: State Farm

At $673 for a six month policy, State Farm offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $680 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $862 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, MT is State Farm, offering policies at just $673 for a six-month term. This is followed by USAA, which has an average six-month premium of $680.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1555 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, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$673	$113
USAA	$680	$114
Nationwide	$862	$145
Progressive	$1254	$211
Allstate	$1476	$249
Farmers	$1555	$262

Key Takeaways

Way's key takeaways about car insurance in Fort Smith

The auto insurance costs in Fort Smith fall around $673 for six months.
The cheapest auto insurance company in Fort Smith is USAA.
Teen drivers pay the highest rate in Fort Smith at $636 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 $118. Allstate is the most expensive at $536 for the same period.

Cheapest Liability Coverage in Fort Smith, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$118	$20
State Farm	$124	$21
Progressive	$287	$48
Kemper	$320	$54
Farmers	$373	$63
Allstate	$536	$89

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 State Farm at $113 per month and $673 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Smith, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$673	$113
USAA	$680	$114
Nationwide	$862	$145
Progressive	$1254	$211
Allstate	$1476	$249
Farmers	$1555	$262

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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, MT increasing?

Despite maintaining a clean driving record, your car insurance rates in Fort Smith, Montana, may be increasing due to several external factors. Montana 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,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Fort Smith at $65 per month. At $3776 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$392	$65
State Farm	$1038	$175
USAA	$1340	$226
Progressive	$2091	$352
Allstate	$3489	$587
Farmers	$3776	$636

Teen Car Insurance Rates in MT 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 $366 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 Allstate, offering rates of around $2176 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$366	$61
USAA	$1235	$210
State Farm	$1372	$231
Farmers	$1882	$317
Progressive	$2124	$354
Allstate	$2176	$370

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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, MT, 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 State Farm and Kemper, offering $398 and $477, respectively. Farmers is an expensive provider with an average six-month premium of $1810.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$398	$67
Kemper	$477	$81
USAA	$516	$87
Progressive	$1202	$202
Allstate	$1634	$275
Farmers	$1810	$305

Fort Smith Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Smith MT. For example, the car insurance in Fort Smith after a DUI increases to $680 for a six month policy. While the rate increases by $111 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	$1202	$200
One Med/PIP claim	$1202	$205
Not-at-fault accident	$1229	$205
One comp claim	$1229	$209
Two Med/PIP claims	$1229	$205
Two comp claims	$1254	$213
Child safety restraint	$1313	$219
Driving without lights	$1313	$223
Speeding 6 - 10 MPH over limit	$1313	$219
Failure to show documents	$1320	$224
Failure to wear a seat belt	$1327	$221
Speeding 11 - 15 MPH over limit	$1398	$238
Driving with expired registration	$1405	$234
Cell phone violation	$1418	$241
Failure to stop at a red light	$1418	$237
Failure to yield	$1418	$241
Following too closely	$1418	$237
Illegal turn	$1418	$241
Improper passing	$1418	$237
Texting while driving	$1418	$241
Speeding 16 - 20 MPH over limit	$1425	$238
Driving too slowly	$1431	$243
Wrong way/wrong lane	$1451	$242
Passing school bus	$1483	$252
Speeding in school zone	$1529	$255
In 65 MPH zone	$1536	$261
Speeding 21 - 25 MPH over limit	$1536	$256
Operating a vehicle without permission	$1542	$262
Open container	$1549	$259
At-fault accident - less than $1000	$1562	$265
At-fault accident - $1000-$2000	$1614	$270
At-fault accident - greater than $2000	$1627	$276
Reckless driving	$1751	$292
Driving with a suspended license	$1771	$301
Refusal to submit to a chemical test	$1797	$299
DUI	$1882	$320
Racing	$1954	$326
Leaving scene of an accident/hit and run	$1973	$336

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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 Kemper at $333 for a six-month policy. However, it can be as expensive as $2032 with companies like Allstate.

Fort Smith car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$333	$56
State Farm	$595	$100
Progressive	$934	$157
USAA	$947	$160
Farmers	$1745	$294
Allstate	$2032	$342

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 State Farm at $314. However, it can be as expensive as $1784 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Fort Smith after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$314	$53
USAA	$791	$132
Allstate	$1555	$264
Farmers	$1607	$271
Progressive	$1784	$304

Car Insurance Price Trends in Fort Smith, Montana

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 remained steady at $218 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Fort Smith remained steady at $40 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Fort Smith?

The car insurance in Fort Smith is $20 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 $113 per month for full coverage.

How much is car insurance in Fort Smith for teenagers?

Car insurance for teenagers costs $392 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 $985 for a six-month policy. It will cost around $182 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.

What is the best car insurance in Fort Smith, MT?

The best car insurance company in Fort Smith MT is State Farm, offering $673 for a six-month policy.