Cheapest Car Insurance In Fort Smith, AR 2025
State Farm stands out as the most economical choice in Fort Smith, with minimum coverage costing an average of $30 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Car insurance costs in Fort Smith, AR, can be all over the map, so finding the cheapest option takes some research.
For liability-only insurance, State Farm is the cheapest provider. State Farm also has the most budget-friendly full coverage policies, while Jupiter Auto Insurance offers the best deals for young drivers.
Cheapest Car Insurance Companies In Fort Smith, AR 2025
Cheapest Liability-only Car Insurance In Fort Smith: State Farm
State Farm has the cheapest minimum coverage rates in Fort Smith, with a typical monthly cost of $30.
Use the chart below to analyze rate differences among insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $30 | $360 |
| GEICO | $44 | $528 |
| Allstate | $65 | $780 |
| Travelers | $68 | $816 |
| Auto-Owners | $49 | $588 |
Cheapest Full Coverage Insurance Rates In Fort Smith: State Farm
At $55 per month on average, State Farm provides the most cost-effective full coverage car insurance in Fort Smith.
This table offers a side-by-side comparison of average insurance quotes from affordable insurers in Fort Smith.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $55 | $660 |
| Auto-Owners | $92 | $1,104 |
| GEICO | $82 | $984 |
| Nationwide | $121 | $1,452 |
| Allstate | $119 | $1,428 |
Cheapest Car Insurance Rates For Seniors: USAA
USAA provides seniors in Fort Smith with the lowest-priced car insurance, averaging just $62 a month.
This table provides a breakdown of average auto insurance quotes from the most affordable companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $62 | $744 |
| State Farm | $79 | $948 |
| Southern Farm Bureau | $76 | $912 |
| Shelter | $91 | $1,092 |
| Nationwide | $85 | $1,020 |
Cheapest Rates In Fort Smith For Teenagers: Safeco
At $137 per month on average, Safeco is the most affordable option for teen drivers in Fort Smith.
This table provides an overview of insurance providers with the lowest rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $137 | $1,644 |
| USAA | $165 | $1,980 |
| Direct Auto | $140 | $1,680 |
| ALFA | $235 | $2,820 |
| Southern Farm Bureau | $191 | $2,292 |
Cheapest Auto Insurance For Young Adults in Fort Smith: Jupiter Auto
Young adults in Fort Smith can save the most with Jupiter Auto, which offers insurance at an average of $91 per month.
The table below provides an overview of the cheapest auto insurance rates for young adults in Fort Smith.
| Provider | Average Monthly Cost | Average Annual Cost |
| Jupiter Auto | $91 | $1,092 |
| USAA | $105 | $1,260 |
| Direct Auto | $102 | $1,224 |
| Southern Farm Bureau | $144 | $1,728 |
| State Farm | $156 | $1,872 |
Cheapest Car Insurance In Fort Smith For Good Drivers: State Farm
At $30 per month on average, State Farm provides Fort Smith’s cheapest car insurance for good drivers.
Good drivers looking for the lowest insurance rates can find average quotes in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $30 | $360 |
| GEICO | $44 | $528 |
| Allstate | $65 | $780 |
| Travelers | $68 | $816 |
| Auto-Owners | $49 | $588 |
Find affordable Fort Smith rates
Cheapest Car Insurance In Fort Smith After A Speeding Ticket: State Farm
If you have a speeding ticket, State Farm is among the most affordable insurers in Fort Smith, with an average monthly rate of $40.
This table presents a comparison of average insurance prices for drivers who have been cited for speeding.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $40 | $480 |
| GEICO | $58 | $696 |
| Shelter | $87 | $1,044 |
| Nationwide | $86 | $1,032 |
| Allstate | $84 | $1,008 |
Cheapest For Drivers With After At-Fault Accident: State Farm
For those with an at-fault incident, State Farm has the lowest car insurance premiums, averaging $45 per month.
These car insurance companies have the best rates for drivers who have been responsible for an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $45 | $540 |
| GEICO | $61 | $732 |
| Auto-Owners | $69 | $828 |
| Allstate | $88 | $1,056 |
| Farmers | $90 | $1,080 |
Cheapest Rates In Fort Smith For Drivers After A DUI: State Farm
Fort Smith drivers with a DUI can get the most affordable coverage from State Farm, which has an average monthly rate of $52.
Fort Smith motorists with a DUI can find the most affordable insurance providers listed in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $52 | $624 |
| Shelter | $95 | $1,140 |
| GEICO | $72 | $864 |
| Auto-Owners | $81 | $972 |
| Allstate | $106 | $1,272 |
Best Car Insurance Companies In Fort Smith
Fort Smith drivers can find the cheapest car insurance with State Farm at $30 per month, but USAA ($36) and GEICO ($44) are other affordable choices.
The top 10 car insurers in Fort Smith, AR, are shown below, arranged according to their average monthly premiums.
| Company | Monthly Premium |
| State Farm | $30 |
| GEICO | $44 |
| Allstate | $65 |
| Travelers | $68 |
| Auto-Owners | $49 |
| USAA | $36 |
| Shelter | $62 |
| Nationwide | $65 |
| Farmers | $66 |
| Root | $68 |
Average Auto Insurance Rates In Fort Smith – By Age
Car insurance providers factor in age when determining premiums. Younger drivers, particularly teens, tend to pay more—often around $2,312 per year—due to their higher accident risk.
Safe drivers usually see a drop in their insurance premiums once they turn 25.
The most budget-friendly car insurance premiums are commonly available to drivers in their 50s and early 60s because insurers assess risk based on age.
| Age | Average Yearly Rate |
| Teenagers | $2,312 |
| 20s | $1,657 |
| 30s | $1,071 |
| 40s | $1,039 |
| 50s | $950 |
| 60s | $931 |
| 70s | $1,167 |
Average Rates In Fort Smith – By Vehicle
The make and model of your vehicle influence your insurance cost. Luxury cars and newer models with expensive repairs tend to have higher premiums due to their replacement value.
The table below shows typical auto insurance rates in Fort Smith for different types of vehicles.
| Vehicle | Average Monthly Rate |
| Honda Accord | $192 |
| Chrysler 300 | $87 |
| Ford Mustang | $57 |
| Ford Fiesta | $240 |
| Ford Fusion | $82 |
Average Cost Of Auto Insurance In Fort Smith – By Zip Code
Car insurance costs vary from one zip code to another since insurers use them to evaluate local crime risks.
See how car insurance costs differ by zip code in Fort Smith with the table below.
| City | Average Monthly Rate |
| 72901 | $92 |
| 72908 | $97 |
| 72956 | $67 |
| 72903 | $124 |
| 72904 | $109 |
How Much Is Car Insurance In Other Cities in Arkansas?
Car insurance companies take location into account when setting premiums. Areas with greater risks—such as heavy traffic and high crime—often lead to increased insurance costs.
On average, car insurance costs $243 per month in Los Angeles, whereas San Diego residents pay approximately $176 per month.
| 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 |
Find affordable Fort Smith rates
Our Methodology
I’ve analyzed multiple factors—including service quality, affordability, policy selection, and online reviews—to create a full picture of Fort Smith, AR car insurance landscape.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Fort Smith?
State Farm has the lowest-cost minimum coverage in Fort Smith, while State Farm again provides the most budget-friendly full coverage option, including comprehensive and collision.
What is the average cost of car insurance in Fort Smith?
The cost of car insurance in Fort Smith averages $110 per month, but rates vary depending on factors such as location, vehicle model, and driving history.
