Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Fort Smith after a DUI is State Farm
  • Average car insurance rates in Fort Smith, AR for senior drivers are $1,963/year
  • The cheapest car insurance company in Fort Smith for teen drivers is USAA

Average car insurance rates in Fort Smith, Arkansas are $318 a month. But with a little research you can get a great deal from the top car insurance companies in Fort Smith, AR. Before you buy Fort Smith, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

It may even be helpful to compare Fort Smith car insurance rates with Bentonville car insurance rates, Little Rock car insurance rates, or Pine Bluff car insurance rates to make sure you’re getting the best Fort Smith, AR car insurance quotes available.

Need affordable Fort Smith, AR car insurance? Enter your ZIP code to compare Fort Smith car insurance quotes from multiple car insurance companies near you.

Fort Smith, AR Minimum Car Insurance Coverage

Fort Smith, Arkansas law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Fort Smith, Arkansas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Fort Smith, AR Car Insurance Rates by Coverage Level

Some Fort Smith drivers can get by with the Arkansas minimum coverage of 25/50/25. Other drivers may need more. See how much your Fort Smith, Arkansas car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Fort Smith, Arkansas

Insurance Company Low Medium High
Allstate $4,439 $4,570 $4,710
Farmers $3,668 $3,835 $4,137
GEICO $3,084 $3,231 $3,382
Liberty Mutual $3,721 $3,829 $4,022
Nationwide $3,754 $3,667 $3,809
Progressive $4,264 $4,608 $5,210
State Farm $2,473 $2,623 $2,780
Travelers $5,285 $5,586 $5,844
USAA $2,042 $2,136 $2,256

Fort Smith, AR Car Insurance Rates by Age, Gender, and Marital Status

Fort Smith, Arkansas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Fort Smith, AR car insurance, get quotes from multiple car insurance companies in the Fort Smith area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fort Smith, Arkansas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,578 $2,592 $2,312 $2,469 $9,431 $11,305 $2,833 $3,064
Farmers $2,071 $2,059 $1,846 $1,948 $8,963 $9,294 $2,371 $2,485
GEICO $2,285 $2,250 $2,100 $2,042 $6,315 $6,295 $2,269 $2,302
Liberty Mutual $2,168 $2,317 $2,093 $2,335 $8,162 $8,987 $2,349 $2,449
Nationwide $2,533 $2,574 $2,280 $2,400 $6,225 $7,898 $2,910 $3,130
Progressive $2,445 $2,301 $2,016 $2,111 $10,649 $11,968 $2,917 $3,145
State Farm $1,593 $1,593 $1,449 $1,449 $4,905 $6,141 $1,801 $2,074
Travelers $2,035 $2,071 $2,026 $2,030 $12,157 $19,574 $2,186 $2,493
USAA $1,300 $1,304 $1,216 $1,211 $4,250 $4,422 $1,669 $1,786

Fort Smith, AR Car Insurance Rates for Teens

How much is Fort Smith, Arkansas car insurance for teens? Compare rates from top Fort Smith car insurance companies below to help find the cheapest teen car insurance in Fort Smith, AR.

Annual Car Insurance Rates for Teen Drivers in Fort Smith, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,431 $11,305
Farmers $8,963 $9,294
GEICO $6,315 $6,295
Liberty Mutual $8,162 $8,987
Nationwide $6,225 $7,898
Progressive $10,649 $11,968
State Farm $4,905 $6,141
Travelers $12,157 $19,574
USAA $4,250 $4,422

Fort Smith, AR Car Insurance Rates for Seniors

Before seniors buy Fort Smith, Arkansas car insurance, they should make sure to shop around. Some Fort Smith, AR car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Fort Smith, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,312 $2,469
Farmers $1,846 $1,948
GEICO $2,100 $2,042
Liberty Mutual $2,093 $2,335
Nationwide $2,280 $2,400
Progressive $2,016 $2,111
State Farm $1,449 $1,449
Travelers $2,026 $2,030
USAA $1,216 $1,211

Fort Smith, AR Car Insurance Rates by Credit History

How does your credit history affect Fort Smith, AR car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Fort Smith, Arkansas

Insurance Company Poor Fair Good
Allstate $5,735 $4,407 $3,577
Farmers $4,402 $3,706 $3,530
GEICO $3,869 $3,186 $2,641
Liberty Mutual $5,558 $3,375 $2,640
Nationwide $4,413 $3,565 $3,253
Progressive $5,299 $4,546 $4,237
State Farm $3,802 $2,290 $1,784
Travelers $6,381 $5,340 $4,994
USAA $2,825 $1,945 $1,664

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Fort Smith, AR Car Insurance Rates by Driver History

How does a single speeding ticket affect your Fort Smith, Arkansas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Fort Smith.

Annual Fort Smith, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,771 $4,744 $5,271 $4,506
Farmers $3,278 $4,207 $4,114 $3,919
GEICO $2,215 $3,368 $4,961 $2,384
Liberty Mutual $2,607 $4,284 $5,017 $3,521
Nationwide $2,925 $3,763 $5,073 $3,214
Progressive $4,042 $5,642 $4,252 $4,840
State Farm $2,390 $2,861 $2,625 $2,625
Travelers $4,666 $4,820 $7,078 $5,722
USAA $1,643 $2,096 $3,018 $1,822

Fort Smith, AR Car Insurance Rates With a DUI

Even a single DUI can increase your Fort Smith, AR car insurance rates. Compare rates below to see which Fort Smith car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Fort Smith, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,271
Farmers $4,114
GEICO $4,961
Liberty Mutual $5,017
Nationwide $5,073
Progressive $4,252
State Farm $2,625
Travelers $7,078
USAA $3,018

Fort Smith, AR Car Insurance Rates by ZIP Code

Just like Fort Smith car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Fort Smith, AR car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Fort Smith, Arkansas

ZIP Code Average Annual Rates
72901 $3,950
72903 $3,870
72904 $3,945
72908 $3,895
72916 $3,922

Fort Smith, AR Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Fort Smith, AR car insurance rates may be. Let’s take a look at average car insurance rates from top Fort Smith companies based on commute time.

Annual Car Insurance Rates by Commute Length in Fort Smith, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,573 $4,573
Farmers $3,880 $3,880
GEICO $3,204 $3,261
Liberty Mutual $3,857 $3,857
Nationwide $3,744 $3,744
Progressive $4,694 $4,694
State Farm $2,561 $2,690
Travelers $5,572 $5,572
USAA $2,085 $2,205

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Fort Smith, AR Cheapest Car Insurance Rates

How do the top Fort Smith, Arkansas car insurance companies’ average rates stack up against the Fort Smith average monthly car insurance rates of $318? Take a look and see.

Best Annual Car Insurance Rates by Company in Fort Smith, Arkansas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Fort Smith, AR Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Fort Smith, Arkansas car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Fort Smith, Arkansas

Insurance Company Average Annual Rates
Allstate $4,573
Farmers $3,880
GEICO $3,232
Liberty Mutual $3,857
Nationwide $3,744
Progressive $4,694
State Farm $2,625
Travelers $5,572
USAA $2,145

Other Factors Affecting Fort Smith, AR Car Insurance Rates

Before you buy Fort Smith, Arkansas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Fort Smith, AR Commute Time

How does your Fort Smith, AR commute time compare with the average driver? In Fort Smith, the average commute is 16.1 minutes.

Fort Smith, AR Traffic

Spending time in Fort Smith traffic can lead to higher car insurance rates. According to INRIX data, Fort Smith, AR ranks as the 937th-most congested with traffic in the world.

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Fort Smith, AR Car Insurance Quotes

Compare Fort Smith, AR car insurance quotes from multiple companies by entering your ZIP code now.