+120 more*These quotes are from Compare.com users in and around Fort Smith, Arkansas within the last 10 days. Updated on June 16, 2026
*These quotes are from Compare.com users in and around Fort Smith, Arkansas within the last 10 days. Updated on June 16, 2026
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Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Updated
Fort Smith residents pay an average of $114 per month for an auto policy, according to Compare.com data. This is lower than the national and state averages. Fort Smith’s farmland and low population density likely reduce the risk of accidents and result in lower average car insurance premiums.
Several car insurance companies offer car insurance coverage well below the city’s average. State Farm, Progressive, and USAA are a few of the cheapest auto insurers in Fort Smith.
Below, we’ll take a closer look at the most affordable insurance companies for different types of Fort Smith drivers. Here’s what you should know about choosing the right insurance company, including how to compare rates and save money on your coverage.
The cheapest car insurance company in Fort Smith is State Farm, with average rates starting at $42 per month.
Fort Smith drivers pay an average monthly rate of $80 for liability insurance and $147 for full coverage.
Allstate, GEICO, and State Farm are among our picks for the top car insurance companies in Fort Smith.
No single car insurer is the best option for every driver. Several factors, such as your age, ZIP code, driving record, and credit history, affect your insurance costs.[1]
To make your search a bit easier, we researched and chose the best car insurance companies in Fort Smith for various driver profiles. We selected these insurers based on their average rates, coverage options, financial strength ratings, customer reviews, and more.
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $93/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $203/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers a variety of discounts to help Fort Smith drivers save on their auto policies, such as good student, responsible payer, and multi-policy discounts.[2]
If you’re an infrequent driver, you can sign up for Milewise, its pay-per-mile program, and pay only for the miles you drive.[3] Allstate’s Drivewise telematics program can also lead to premium discounts for responsible drivers.[4]
Although Allstate doesn’t have local agents in Fort Smith, you can explore your coverage options and get a free quote online.
Quotes available online
Offers car insurance for travel to Mexico
Highly rated mobile app
Below-average J.D. Power customer satisfaction rating[5]
Rideshare coverage not available in Arkansas
No agents in Fort Smith
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $63/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $137/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.7 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Compared to some other insurers, GEICO advertises more car insurance discounts for Fort Smith drivers. You may qualify for discounts based on your vehicle equipment, driving history, driver’s education, and driver affiliation. Plus, you can pair your car insurance with GEICO home insurance and lock in a bundling discount.[6]
GEICO also offers the optional DriveEasy telematics program, which can further your savings if you’re a safe driver. You can also choose from several add-ons, including medical coverage, roadside assistance, mechanical breakdown insurance, and rental car reimbursement.[7]
Offers accident forgiveness
AM Best financial strength rating of A+ (Superior)
Above-average J.D. Power customer satisfaction rating[5]
Few agents in Fort Smith
No rideshare or replacement coverage
Low Trustpilot rating
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $42/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $91/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm has been in business for more than 100 years and serves Fort Smith drivers with affordable car insurance policies. The insurer offers several optional coverages, such as emergency roadside assistance, rideshare coverage, and rental car reimbursement.[8]
Plus, you could save up to 30% off your premiums with the Drive Safe & Save telematics program.[9] State Farm has local agents throughout Fort Smith who can help you understand your coverage options, answer your insurance questions, and finalize your auto insurance policy.
Many agents in Fort Smith
Steer Clear telematics program for teens and young drivers
Above-average J.D. Power customer satisfaction rating
Gap insurance not available
Accident forgiveness not available
Poor rating from Better Business Bureau (BBB)
Regardless of the average car insurance costs in Fort Smith, you can still save on coverage. Several auto insurance companies offer below-average premiums for drivers in the city. Comparing quotes from car insurance companies can help you find the lowest price before you buy a plan.
Here’s a look at the cheapest auto insurance companies in Fort Smith, according to Compare.com data.
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Like almost every state, Arkansas requires drivers to purchase car insurance. Here are the minimum car insurance requirements in the Natural State:[10]
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident
Per Arkansas law, you must be able to show proof of auto insurance while driving, either in physical or paper form.
Most car insurance experts recommend you buy an auto policy with higher coverage limits than the minimum requirements in Arkansas. If you have a loan or lease on your car, your lender may even require you to buy full coverage as part of your lease agreement.
Full-coverage insurance typically includes liability, collision, and comprehensive coverage. Note that if you own an older or low-value vehicle or don’t drive very often, liability insurance might be enough.
For additional protection and peace of mind while driving in Fort Smith and beyond, you might want to consider these optional car insurance coverages:
Comprehensive coverage: Comprehensive insurance protects you from non-collision incidents, such as fires, theft, and hitting an animal.
Collision coverage: Collision insurance may kick in if you need vehicle repairs or replacement after an accident with another vehicle or object, regardless of fault.
Uninsured/underinsured motorist (UM/UIM) coverage: UM/UIM coverage will protect you financially from a driver without any or enough insurance.
Personal injury protection (PIP) coverage: PIP coverage pays for medical bills, lost wages, and funeral costs, regardless of who caused the accident.
Gap insurance: If you have a loan or lease on your vehicle, gap coverage may cover the difference between your loan balance and settlement after a total loss.[11]
Category | Price |
|---|---|
| $78 | 3.8% |
| $96 | 5.3% |
| $115 | 7.0% |
| $134 | 7.9% |
| $152 | 7.9% |
| $171 | 8.4% |
| $189 | 7.6% |
| $208 | 7.5% |
| $227 | 6.8% |
| $245 | 5.8% |
| $264 | 5.5% |
| $282 | 4.8% |
| $301 | 4.0% |
| $320 | 3.7% |
| $338 | 3.1% |
| $357 | 2.8% |
| $376 | 2.4% |
| $394 | 2.0% |
| $413 | 1.9% |
| $431 | 1.6% |
Your car insurance rates will depend on your unique driver profile and needs. Factors like your age, ZIP code, driving history, and deductible all play a role in your premiums. Knowing the average costs for drivers with a similar profile to yours can help you secure a better deal on your coverage.
The chart below highlights the cheapest insurers in Fort Smith for various driver backgrounds and coverage types, according to Compare.com data.
Driver or Coverage Type  | Cheapest Insurer |
|---|---|
| State-minimum coverage | State Farm |
| Full coverage | State Farm |
| Drivers with a speeding ticket | State Farm |
| Drivers with an at-fault accident | State Farm |
| Drivers with a DWI | State Farm |
| Teens | State Farm |
| Seniors | State Farm |
| Drivers with excellent credit | State Farm |
| Drivers with poor credit | State Farm |
In Arkansas, state-minimum coverage includes liability insurance, which reimburses you for property damage and injuries to others after an at-fault accident. Even though a liability policy is the cheapest option, you should consider whether you need additional coverage behind the wheel.
Our data shows that Fort Smith drivers pay an average of $80 per month for liability coverage.
If you decide liability insurance is enough for you, here are Fort Smith’s five cheapest insurance companies for minimum coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $42 |
| Progressive | $46 |
| USAA | $51 |
| Trexis | $61 |
| GEICO | $63 |
| National General | $65 |
| Auto-Owners | $71 |
| Root | $75 |
| Trexis One | $76 |
| Direct Auto | $81 |
| GAINSCO | $83 |
| Safeco | $83 |
| Shelter | $92 |
| Allstate | $93 |
| Nationwide | $93 |
| Farmers | $94 |
| The General | $97 |
| Travelers | $99 |
| Dairyland | $109 |
| Liberty Mutual | $127 |
| Bristol West | $128 |
| Hugo | $157 |
Full-coverage insurance typically includes comprehensive and collision policies. These additional coverages can protect your vehicle from a variety of situations, including theft, vandalism, and fire. If you prefer more protection on the road, a full-coverage policy might be worthwhile.
If you have a loan or lease on your vehicle, your lender might require this type of coverage. Drivers in Fort Smith pay an average of $147 per month for full-coverage insurance, according to our data.
Despite these higher rates, several car insurance companies offer full coverage for close to the average price of minimum-coverage policies in Fort Smith.
Below, you’ll find the cheapest full-coverage insurance companies in Fort Smith, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $91 |
| USAA | $111 |
| Root | $128 |
| GEICO | $137 |
| National General | $140 |
| Safeco | $148 |
| Direct Auto | $150 |
| Auto-Owners | $155 |
| Trexis | $159 |
| Trexis One | $198 |
| Shelter | $200 |
| Allstate | $203 |
| Nationwide | $204 |
| Farmers | $205 |
| GAINSCO | $215 |
| Travelers | $216 |
| Liberty Mutual | $225 |
| Dairyland | $252 |
| The General | $254 |
| Bristol West | $307 |
Rates in Fort Smith start at $42 per month.
A speeding ticket can increase your car insurance rates when your policy renews. That’s because your car insurance company will likely perceive you as a riskier driver and increase your rates to offset that risk.
Fort Smith residents with a ticket pay an average of $144 per month for auto insurance coverage, based on our data. But several auto insurance companies offer cheaper average premiums.
Here’s a look at the five most affordable insurance companies in Fort Smith for drivers with a recent ticket, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $54 |
| Progressive | $58 |
| USAA | $66 |
| Trexis | $77 |
| National General | $82 |
| GEICO | $83 |
| Root | $90 |
| Auto-Owners | $93 |
| Trexis One | $96 |
| GAINSCO | $100 |
| Direct Auto | $102 |
| Safeco | $110 |
| Farmers | $121 |
| Nationwide | $121 |
| Allstate | $122 |
| Shelter | $123 |
| Travelers | $129 |
| The General | $131 |
| Dairyland | $136 |
| Bristol West | $162 |
| Liberty Mutual | $163 |
| Hugo | $201 |
If you’re responsible for a car accident, your car insurance costs will likely go up even more than after a ticket.
Fort Smith drivers with a recent accident on their record pay a monthly average of $147 for an auto policy, according to Compare.com data.
Fortunately, you can usually find more affordable coverage with one of the five auto insurance companies in the chart below.
Company | Average Monthly Premium |
|---|---|
| State Farm | $55 |
| Progressive | $59 |
| USAA | $68 |
| Trexis | $79 |
| GEICO | $82 |
| National General | $86 |
| Auto-Owners | $93 |
| Root | $93 |
| Trexis One | $98 |
| GAINSCO | $105 |
| Direct Auto | $109 |
| Safeco | $114 |
| Allstate | $123 |
| Shelter | $124 |
| Nationwide | $124 |
| Farmers | $124 |
| The General | $132 |
| Travelers | $132 |
| Dairyland | $142 |
| Liberty Mutual | $167 |
| Bristol West | $167 |
| Hugo | $206 |
A driving while intoxicated (DWI) conviction will cause your car insurance rates to significantly increase, as insurers consider it one of the riskiest driving behaviors.
Fort Smith residents with a DWI pay an average monthly rate of $169. But you can likely still find lower rates from some insurers that specialize in high-risk drivers.
This chart highlights the cheapest car insurance companies for Fort Smith drivers with a DWI, according to our data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $61 |
| Progressive | $68 |
| USAA | $75 |
| Trexis | $90 |
| GEICO | $91 |
| National General | $95 |
| Auto-Owners | $99 |
| Root | $110 |
| Trexis One | $112 |
| Direct Auto | $118 |
| GAINSCO | $121 |
| Safeco | $129 |
| Shelter | $136 |
| Allstate | $136 |
| Nationwide | $136 |
| The General | $137 |
| Farmers | $137 |
| Travelers | $145 |
| Dairyland | $159 |
| Liberty Mutual | $186 |
| Bristol West | $187 |
| Hugo | $229 |
Due to their limited experience behind the wheel, teens are more likely to have car accidents than older drivers, according to the Centers for Disease Control and Prevention (CDC).[12] That’s why young drivers face higher car insurance costs than any other age group.
Teen drivers in Fort Smith pay an average of $206 per month for an auto policy, according to our research. But you can still potentially earn an affordable rate if you’re a younger driver or have one on your policy.
Here are the cheapest insurers in Fort Smith for teens, according to Compare.com.
Company | Average Monthly Premium |
|---|---|
| State Farm | $81 |
| Progressive | $83 |
| USAA | $94 |
| Trexis | $110 |
| Root | $113 |
| GEICO | $113 |
| National General | $129 |
| Trexis One | $138 |
| Auto-Owners | $144 |
| GAINSCO | $147 |
| Direct Auto | $157 |
| Safeco | $168 |
| The General | $174 |
| Nationwide | $181 |
| Shelter | $183 |
| Allstate | $183 |
| Farmers | $188 |
| Dairyland | $189 |
| Travelers | $206 |
| Liberty Mutual | $222 |
| Bristol West | $226 |
| Hugo | $289 |
Seniors typically enjoy the lowest car insurance rates of any age group. In most cases, older drivers have decades of driving experience and drive more safely. Fort Smith seniors pay an average of $104 per month for auto insurance, according to Compare.com data.
Even with these cheaper premiums, you might find a better deal from several car insurance companies.
Here are five of the cheapest car insurers in Fort Smith for senior drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $34 |
| Progressive | $42 |
| USAA | $43 |
| GEICO | $52 |
| National General | $53 |
| Trexis | $56 |
| Auto-Owners | $58 |
| Shelter | $68 |
| Direct Auto | $69 |
| Trexis One | $70 |
| Root | $71 |
| GAINSCO | $73 |
| Nationwide | $74 |
| Safeco | $75 |
| Farmers | $77 |
| Allstate | $78 |
| Travelers | $82 |
| The General | $85 |
| Dairyland | $95 |
| Liberty Mutual | $109 |
| Bristol West | $110 |
| Hugo | $140 |
Like many states, Arkansas allows car insurance companies to look at credit-based insurance scores when calculating premiums.
Research has shown that drivers with poor credit are more likely to file a claim than drivers with excellent credit. As a result, insurers often charge these drivers more for car insurance.[13]
Fort Smith residents with poor credit pay an average of $143 per month for auto insurance, according to our data.
That said, not all insurance companies look at credit, and some offer affordable coverage regardless of your credit.
Here are the five cheapest companies for drivers with poor credit in Fort Smith.
Company | Average Monthly Premium |
|---|---|
| Progressive | $58 |
| State Farm | $60 |
| USAA | $63 |
| Trexis | $76 |
| GEICO | $78 |
| National General | $80 |
| Root | $93 |
| Trexis One | $95 |
| Direct Auto | $100 |
| GAINSCO | $103 |
| Safeco | $103 |
| Auto-Owners | $106 |
| Shelter | $114 |
| Allstate | $115 |
| Nationwide | $115 |
| Farmers | $116 |
| The General | $120 |
| Travelers | $122 |
| Dairyland | $135 |
| Liberty Mutual | $152 |
| Bristol West | $158 |
| Hugo | $194 |
Local rates start as low as $42 per month.
The following information may help answer your remaining questions about car insurance coverage in Fort Smith.
On average, Fort Smith residents pay $114 per month for car insurance, according to Compare.com data. Minimum coverage costs $80 per month, and full coverage costs $147, on average.
State Farm offers the cheapest auto insurance in Fort Smith, with liability insurance premiums starting at $42 per month, according to Compare.com data.
The best car insurer in Fort Smith for you will depend on your driver profile, needs, and personal preferences. Allstate, GEICO, and State Farm are three of the top insurance companies to consider.
It depends. Several different factors can influence your car insurance rates, including your ZIP code, age, gender, credit, and driving history. Fort Smith drivers pay an average of $114 per month for an auto policy, compared to the national average of $140 per month.
Most experts recommend buying coverage above the minimum limits in Arkansas. If you hit another vehicle and cause $30,000 worth of damage, for example, higher coverage can save you from paying thousands of dollars in out-of-pocket expenses. Since liability coverage in the state is $25,000, you’d be on the hook for the remaining $5,000.
State Farm offers the lowest car insurance premiums in Arkansas. But it’s a good idea to get quotes from at least three car insurers to find the best deal for your unique situation and insurance needs.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Learn more about us, our team, and what makes us tick.
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Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
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Average Premium $67/mo* | Average Premium $81/mo* | Average Premium N/A Compare does not have data available at this time | Average Premium $100/mo* | Average Premium $102/mo* |
Overall Rating | Overall Rating | Overall Rating | Overall Rating | Overall Rating |
Value | Value | Value | Value | Value |
Customer Service | Customer Service | Customer Service | Customer Service | Customer Service |
Claims Handling | Claims Handling | Claims Handling | Claims Handling | Claims Handling |
Special Highlight N/AAI-generated from 854 user reviews | Special Highlight N/AAI-generated from 179 user reviews | Special Highlight N/AAI-generated from 897 user reviews | Special Highlight N/AAI-generated from 729 user reviews | Special Highlight N/AAI-generated from 39 user reviews |