Fort Smith, AR Car Insurance

Residents of Fort Smith pay, on average, about $58 per month for car insurance. To learn more about policy rates and coverage in the Fort Smith area, continue reading our guide below.
What rates can residents of Fort Smith expect to pay for their car insurance? How does Fort Smith stack up to the rest of the area, or even Arkansas as a whole? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Fort Smith?

Area Average Monthly Car Insurance Premium
Fort Smith$58
AR$62
United States$80

Looking at the chart above, you can see it's around $4 a month cheaper to insure your vehicle in Fort Smith than it is in the rest of Arkansas.

Compared to the national average cost of auto insurance coverage, Fort Smith has lower rates. Auto insurance coverage in Fort Smith is about $22 cheaper than it is for the rest of the U.S.

These rates may be the average amount residents of Fort Smith pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.

Don't sweat it however, we've broken down average rates for Fort Smith residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$94
25-34$53
35-44$54
45-54$52
55-64$51
65+$55

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may creep back up a bit in Fort Smith.

Average Car Insurance Rates by Gender

Gender Average
Male$64
Female$53

In general, women pay slightly less for car insurance than men. In Fort Smith, the difference comes out to about $11 a month. As illustrated in the table above, female drivers in the area pay about $53 on average, while male drivers pay around $64 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$71
Multiple Accidents$56
1 Ticket$53
Multiple Tickets$94

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Fort Smith, a driving record with a single accident will usually get you a rate around $71 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $53.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$83
2-3 Years$82
4-5 Years$42
6-7 Years$68
8-10 Years$62
11-14 Years$62
15 Years or Older$50

If you look at the first table above, the cheapest vehicles to insure in Fort Smith are by and large trucks and vans, at $54 per month.

Cars and SUVs, on the other hand, cost about the same to insure, around $59 per month.

You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In Fort Smith, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$59
Married$56
Divorced$56
Widowed$55

More often than not, married policyholders will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

While single drivers normally pay more for auto insurance than married drivers do, both groups pay about the same rate in Fort Smith.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$57
Rent$56
Live with parents$53

Another factor taken into consideration is your housing situation. Renters can expect to pay around $1 a month less than drivers who own property in Fort Smith. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Fort Smith, AR

Recent trends in car insurance for Fort Smith drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

In Fort Smith, car insurance rates had been increasing from 2016-2019, when they reached a high of $64. Policy premiums began to decrease in 2020, and this trend has continued through 2021, when rates have most recently hit $52.

How does Fort Smith compare to neighboring areas?

Why are car insurance rates in Fort Smith different from other areas?

When considering how much to charge for coverage, car insurance companies will review a lot of factors. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Number of drivers
  • Community laws
  • Local crime rates
  • Off-street parking accessibility
  • Road Safety (frequency of car accidents)

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Fort Smith?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Fort Smith.

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Fort Smith Insurance FAQs

What factors affect car insurance quotes in Fort Smith?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Fort Smith different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Fort Smith?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Fort Smith?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Fort Smith or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes