Cheapest Car Insurance In Fort Smith, AR 2024
State Farm is the most affordable choice in Fort Smith, offering minimum coverage at an average rate of $37 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the lowest car insurance rates in Fort Smith, AR, you’ll find significant variations.
For the least expensive liability-only coverage, State Farm is the top option. For full coverage, Safeco provides the best rates. Additionally, Jupiter Auto Insurance offers the most affordable rates for young drivers.
Cheapest Car Insurance Companies In Fort Smith, AR 2024
Cheapest Minimum Coverage Car Insurance In Fort Smith: State Farm
State Farm offers the lowest rates for minimum coverage in Fort Smith, with an average monthly cost of $30.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $50 | $600 |
| USAA | $35 | $420 |
| State Farm | $30 | $360 |
| GEICO | $45 | $540 |
| Safeco | $55 | $660 |
Cheapest Full Coverage Car Insurance In Fort Smith: Safeco
Safeco provides the most affordable rates for full coverage car insurance in Fort Smith, with average quotes of $90 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $175 | $2,100 |
| Progressive | $125 | $1,500 |
| Gainsco | $170 | $2,040 |
| Safeco | $90 | $1,080 |
| Nationwide | $140 | $1,680 |
Cheapest Car Insurance In Fort Smith For Seniors: USAA
USAA offers the lowest car insurance rates for seniors in Fort Smith, with average quotes of $65 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $90 | $1,080 |
| Southern Farm Bureau | $70 | $840 |
| Shelter | $95 | $1,140 |
| USAA | $65 | $780 |
| State Farm | $80 | $960 |
Cheapest Car Insurance In Fort Smith For Young Adults: Jupiter Auto Insurance
Jupiter Auto Insurance provides the lowest quotes for young adults in Fort Smith, with rates averaging around $95 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $160 | $1,920 |
| Jupiter Auto Insurance | $95 | $1,140 |
| Southern Farm Bureau | $148 | $1,776 |
| Direct Auto | $110 | $1,320 |
| USAA | $105 | $1,260 |
Cheapest Auto Insurance Rates In Fort Smith For Teenagers: Safeco
Teenage drivers in Fort Smith can get the most affordable quotes from Safeco, with average monthly premiums of $140.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $170 | $2,040 |
| Direct Auto | $145 | $1,740 |
| ALFA | $240 | $2,880 |
| Safeco | $140 | $1,680 |
| Southern Farm Bureau | $190 | $2,280 |
Cheapest Car Insurance In Fort Smith After A Speeding Ticket: USAA
USAA is notably more affordable than other companies, offering average rates of $80 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $105 | $1,260 |
| Travelers | $145 | $1,740 |
| USAA | $80 | $960 |
| Nationwide | $125 | $1,500 |
| State Farm | $100 | $1,200 |
Cheapest Car Insurance In Fort Smith After At-Fault Accident: USAA
USAA provides the lowest car insurance rates for drivers with an at-fault incident, averaging $100 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Southern Farm Bureau | $135 | $1,620 |
| Geico | $190 | $2,280 |
| USAA | $100 | $1,200 |
| Travelers | $150 | $1,800 |
| State Farm | $110 | $1,320 |
Cheapest Car Insurance In Fort Smith For Drivers After A DUI: State Farm
State Farm offers the most affordable rates for drivers with a DUI in Fort Smith, with average monthly premiums of $95.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $95 | $1,140 |
| Progressive | $155 | $1,860 |
| USAA | $130 | $1,560 |
| Travelers | $160 | $1,920 |
| Southern Farm Bureau | $125 | $1,500 |
Cheapest Car Insurance In Fort Smith For Good Drivers: USAA
In Fort Smith, good drivers can get the most affordable car insurance quotes from USAA, with rates around $75 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $100 | $1,200 |
| Travelers | $110 | $1,320 |
| USAA | $75 | $900 |
| Nationwide | $120 | $1,440 |
| Southern Farm Bureau | $105 | $1,260 |
Average Cost Of Car Insurance In Fort Smith – By Vehicle
| Vehicle | Average Monthly Rate |
| 2019 Honda Accord | $192 |
| 2010 Chevrolet Camaro | $190 |
| 2021 Ford Mustang | $60 |
| 2015 Ford Fiesta | $240 |
| 2012 Ford Fusion | $85 |
Best Car Insurance Companies In Fort Smith
Here are the top 10 car insurance companies in Fort Smith, AR, ranked by their average monthly rates.
| Company | Monthly Premium |
| Automobile Club of Missouri | $155 |
| USAA | $85 |
| Auto-Owners Insurance Co | $150 |
| Southern Farm Bureau | $110 |
| Shelter | $145 |
| Direct Auto | $103 |
| Farmers | $130 |
| State Farm | $109 |
| SAFECO | $118 |
| Nationwide | $120 |
Average Cost Of Car Insurance In Fort Smith – By Age
| Age | Average Yearly Rate |
| Teenagers | $2,400 |
| 20s | $1,680 |
| 30s | $1,080 |
| 40s | $1,140 |
| 50s | $900 |
| 60s | $840 |
| 70s | $1,200 |
Average Cost Of Auto Insurance In Fort Smith – By Zip Code
| City | Average Monthly Rate |
| 72903 | $125 |
| 72916 | $112 |
| 72901 | $95 |
| 72908 | $100 |
| 72904 | $110 |
How Much Is Car Insurance In Other Cities in Arkansas?
| City | Average Monthly Rate |
| Hot Springs National Park | $120 |
| North Little Rock | $108 |
| Arkadelphia | $110 |
| Jonesboro | $115 |
| Benton | $100 |
| Monticello | $90 |
| Conway | $95 |
| Little Rock | $125 |
| Fayetteville | $112 |
| Pine Bluff | $115 |
Our Methodology
Based on a detailed analysis of customer service ratings, product options, pricing, and reviews from various online sources, I’ve developed a thorough overview of car insurance providers in Fort Smith, AR.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Fort Smith?
In Fort Smith, State Farm offers the lowest rates for minimum coverage required by the State of Arkansas, while Safeco provides the most affordable rates for full coverage, including comprehensive and collision protection.
What is the average cost of car insurance in Fort Smith?
The average monthly cost of car insurance in Fort Smith is approximately $110. Rates can vary depending on factors such as your zip code, vehicle year and model, and driving history.
