Fort Smith, AR Car Insurance

How does Fort Smith compare to the surrounding area and the rest of Arkansas? What can Fort Smith residents expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Fort Smith?

As you can see in the chart above, it is around $5 a month cheaper to insure your vehicle in Fort Smith than it is in the rest of Arkansas.

If you're thinking of moving to Fort Smith from out of state, you may still be in luck. The average monthly payment for the U.S. as a whole is about $22 more expensive than in Fort Smith.

Keep in mind that these are the average auto insurance rates for Fort Smith, and that the rate you get could end up being something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

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. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance bills. 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, you may see your rates creep back up in Fort Smith.

Average Car Insurance Rates by Gender

In general, female drivers pay less for car insurance than their male counterparts. In Fort Smith, the difference comes out to about $10 a month. As you can see in the chart above, car insurance for women in the area typically costs around $55 each month, while men pay $65 on average.

Average Auto Insurance Rates by Driving Record

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Fort Smith with one accident will pay around $70 a month. In addition, drivers with a single ticket on their record can expect to pay around $68 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

The most affordable vehicles to insure in Fort Smith are usually trucks and vans, which run about $57 per month.

Meanwhile, Fort Smith drivers who own a car or SUV can expect to pay about $60 for insurance coverage.

You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Fort Smith are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Generally speaking, those who have settled down into marriage will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

Despite the national trend of married drivers saving more than single drivers, the rates for both in Fort Smith are about the same.

Average Car Insurance Rates by Housing Situation

Your housing status is another component of how insurance companies calculate your monthly rate. In Fort Smith, homeowners can expect to pay around $2 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in Fort Smith, AR

Recent trends in car insurance for Fort Smith drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.

The rates for car insurance in Fort Smith rose from 2017-2019, but decreased until 2021, when they reached a low of $55. Car insurance rates finished up in 2022, at $69 per month.

How does Fort Smith compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:

• Number of car accidents
• Off-street parking availability
• Laws
• Amount of drivers in the region
• Crime levels

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.

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

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But wait! Compare.com can handle all of this for you. Simply enter your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies that offer 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 vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

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

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Fort Smith or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.