Best Cheap Car Insurance in Fort Smith, Arkansas 2022

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Single-car drivers in Fort Smith pay an average of $2,239 annually for car insurance. That’s about $187 per month to insure your car.
Fort Smith sits along the Arkansas River near the Arkansas-Oklahoma border. It’s a dense suburban area with almost 90,000 residents but has a low crime rate and cost of living. Even still, car insurance rates in the city tend to be high.

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Whether you stick to your state’s minimum liability requirements or opt for a full-coverage policy with comprehensive and collision insurance, your home state plays a big role in determining how much you pay to protect your wallet against car-related expenses.
To find the best coverage options for your vehicle in Arkansas, download Jerry, the world’s first super app for car owners and your key to optimized insurance!

Best car insurance companies in Fort Smith

There’s no single company that offers the best rate to everyone in Fort Smith . If you’ve recently moved or are looking to optimize your coverage, the best option is to compare multiple quotes from different companies. Sound like a drag? The Jerry app can get it done in a matter of seconds, saving you time and money while setting you up with the best coverage available!
Take a look at the table below for comparison of real Jerry customers’ rates in Fort Smith :
Insurance Company
Average Cost
Annual Savings with Jerry
Safeco$2,341$1,032Compare Prices
State Auto$3,120$905Compare Prices
Travelers$2,524$891Compare Prices
Dairyland$2,538$692Compare Prices
Progressive$2,111$614Compare Prices
Allstate$2,417$527Compare Prices
Nationwide$2,621$353Compare Prices

Check out insurance company reviews from real Jerry customers:

Chavin Gougis
They are fair and good
The cheapest insurance I ever found for the last 3years
They are awesome. Great coverage for low cost. Excellent customer service agents that were so helpful!! I love progressive!!!!!!
The people whom you call when you have an issue are an absolute delight. They’re always helpful and reaching out to you with answers to questions they couldn’t find before.
My guy Ruben hooked it up with discounts that I did not even know existed for car insurance which includes like college graduate, first college student out of the whole family, it definitely helped with saving money!
I’ve only had National General for a little less than a month but every time I have a question customer service has been able to assist me with no problem. I found this company through the Jerry app and if it wasn’t for them I would’ve never found cheaper and reliable car coverage.
No matter what provider you choose, you’ll need to meet your state’s minimum legal requirements for car insurance. In most cases, that means buying a certain amount of liability insurance, but you may also need to carry uninsured motorist coverage, medical payments coverage, or personal injury protection.
State requirements and risk assessments associated with zip codes mean your rate could vary not just from state to state or city to city, but block to block! With so many factors at play, finding the best coverage becomes dizzyingly complex. That’s why Jerry exists: to simplify car insurance comparison with authoritative quotes from over 55 top insurance providers.
Here’s what actual Jerry customers pay:
Quote DateCarZip CodeNameAgeInsurance Company
Before Jerry
After Jerry
September 22, 2022Kia Spectra EX72903Betty W.22Progressive$86/mo.$74/mo.
August 28, 2022Honda Odyssey EXL72903Louisa L.41Progressive$128/mo.$79/mo.
September 29, 2022Toyota Corolla L72904Clyde G.25Gainsco$100/mo.$99/mo.
September 6, 2022Toyota Prius72903Maria G.22Progressive$200/mo.$153/mo.
August 15, 2022Dodge Stratus SXT72903Bill G.19Dairyland$212/mo.$179/mo.
22 people from Jerry switched with Jerry to Mercury in the past 14 days.
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How much does car insurance in Fort Smith cost?

Rates for car insurance in the same state can fluctuate wildly depending on your specific zip code. Depending on your city’s demographics—including population density, average age, and accident rate—your car insurance premiums may be much higher or lower than a neighboring city.
Here’s what real Jerry customers paid for car insurance in Fort Smith:
How do Fort Smith insurance rates compare to similar areas? Take a look at the table below to see. 
Let’s break down what makes car insurance in Fort Smith so expensive. The graph below shows how much Arkansas drivers pay, on average, for liability insurance, comprehensive coverage, and collision insurance—the three main elements of what’s called “full coverage car insurance.”
  • Liability coverage, which is the bare minimum required by law, covers repairs and medical expenses for other drivers if you’re in a collision
  • Comprehensive insurance covers repairs to your car caused by something other than a collision (e.g. vandalism, natural disasters, or theft)
  • Collision insurance covers repair costs for your vehicle following a collision with another car or a stationary object
So, how much car insurance does Arkansas require?
In Arkansas, minimum insurance requirements are $25,000 for bodily injury liability per person, $50,000 of bodily injury liability for each accident, and $25,000 of property liability for each accident. These minimum requirements are known as the 25/50/25 rule.
If you’re involved in a situation with the police or an accident, make sure you show proof of insurance coverage, a driver’s license, and registration. Proof of insurance is required for vehicle registration as well.
No, Arkansas is not a no-fault state—Arkansas is an “at-fault” state. In the event of an accident, the driver who is responsible is considered “at-fault” and must pay for damages, usually through insurance.
Take a look at the graph to visualize how much your expenses could increase if you opt for full coverage.
But those are just the minimum requirements you need to avoid a violation. If you’re in an accident, state minimum insurance might not cover all your expenses—especially if you or anyone in your vehicle is injured, or your car sustains significant damage.
That’s why experts generally suggest carrying more than the minimum required coverage. As previously mentioned, so-called “full-coverage” policy typically includes liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
On top of that coverage, you can check out special add-ons to fit your situation, vehicle, and unique needs. Do a lot of driving on remote back roads? Towing and labor coverage could get you out of a tight spot. Work for a rideshare company? Be sure to invest in rideshare insurance. You can even add specialized insurance for your car’s sound system if you’ve got a premium audio setup.

Best car insurance for bad drivers in Fort Smith

Listen, we’re not here to judge. Maybe you had a bad day and ended up with a reckless driving charge or a DUI. Maybe you had a really good day and landed yourself an accidental speeding ticket.
No matter the reasons behind your tickets, even minor traffic violations can have an outsize impact on your insurance premium, especially if they’re repeated. And just one major offense (think DUI) could get you labeled as a “high-risk driver” by your insurance company. Worst of all, that label can follow you for years in some cases—even if you’ve cleaned up your act and drive like a saint.
Here’s where Jerry comes in. Even if your driving record is less than stellar (like, a lot less), there are still ways to optimize your rates and coverage to get the policy you need. Here’s how much Jerry customers in Fort Smith with a history of violations saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,132$657
Speeding under 15$2,639$1,189
Failure to Obey Traffic Sign$2,809$496
Driving on Sus. License$1,442$482
Careless Driving$2,900$458
Improper Passing$1,680$448

Fort Smith driving violation FAQ's

How much is car insurance in Fort Smith with a DUI?

If you have a DUI on your record, your car insurance premium in Fort Smith could increase by as much as 21%.

How much does your car insurance increase after a speeding ticket in Fort Smith?

If you’re caught speeding through Fort Smith and end up with a ticket, you can expect to see your insurance rate jump by about 2%. And keep in mind—repeated speeding tickets could cause an even bigger increase!

Best car insurance in Fort Smith by age

Young people get stereotyped all the time—but when insurance companies do it, it can cost you hundreds of dollars a year!

Best car insurance in Fort Smith for young drivers

That’s because insurance companies use age as a metric for risk. Providers see young drivers as less experienced and more likely to submit claims (i.e., cost them money) than older drivers—so they tend to hike rates for anyone under 25.
Of course, you know that no magic switch it going to flip when you turn 25 to make you a safer driver. You might even be the safest driver you know! But that won’t stop insurance companies from saddling you with a high rate.
To keep your rates low at a young age, check out these simple hacks:
  • Plenty of insurance companies offer good student discounts to anyone under age 25 with a B average or higher. If you’re still in school, your grades could be the key to insurance savings!
  • If you can get on a family plan with an older relative or friend, you’ll benefit from their lower risk rating and get a lower rate on the same coverage.
  • Check for state-approved defensive driving courses. Many insurance companies will give you a discount if you can prove that you’ve attended a course.
  • Play the long game and stick with one insurance company for a few years. If you maintain a good driving record, you could score multiple discounts for loyalty and safe driving!
  • Telematics programs like Jerry’s Drive Well, Earn Perks offer discounts and rewards for safe driving—and instead of basing your savings on your age, it’ll be based directly on how you actually drive!
Want to see how much more you might pay for car insurance in Fort Smith based on your age? Check out the table below.

Car insurance in Fort Smith for your car

Your age and driving record aren’t the only things that determine your car insurance rates in Fort Smith. The vehicle you drive also plays a role.
The Toyota Prius is one of the most popular cars in Arkansas—and it’s cheaper to insure than a lot of the SUVs and electric cars on the road today. But if you drive a minivan, a truck, or a sports car, you might be looking at a higher premium than your other Fort Smith neighbors.
Take a look at the table below for a full rundown of how much insurance for different makes costs in Fort Smith.
Average Cost
Annual Savings with Jerry
Hyundai Elantra GLS$2,612$1,114
Chevrolet Cruze LT$2,756$1,004
Nissan Rogue S$2,580$860
Kia Soul$2,494$798
Jeep Cherokee Latitude$2,302$743

Fort Smith car FAQ's

More people in Fort Smith drive a Ford Fusion Titanium than any other car! On average, these drivers pay $2,523 for their auto insurance.

What is the most expensive car to insure in Fort Smith?

At an average of $3,481 per year, a Chrysler 300 S is the most expensive car to insure in Fort Smith. If you drive one, we’re sorry.

Car insurance cost based on where you live in Fort Smith:

Now, we’ve been talking about “drivers in Fort Smith” as if everyone sees the same rates—but in fact, your rate can vary by zip code, making it possible to have a completely different rate from your neighbor two blocks away.
Why? The simple answer: accident rates and property crimes. Maybe your zip code puts you closer to a major road with tons of accidents, or you’re in a hotspot for auto theft. Within Fort Smith, drivers in the 72916 and 72903 zip code typically have the highest car insurance premiums, while the cheapest rates are found in the 72901, 72908 and 72904 code.
Want to see the average rates in your zip code? Take a look at the breakdown below.
Quote DateZip codeCarStateNameAgeInsurance Company
Before Jerry
After Jerry
September 22, 202272903Kia Spectra EXARBetty W.22Progressive$86/mo.$74/mo.
August 28, 202272903Honda Odyssey EXLARLouisa L.41Progressive$128/mo.$79/mo.
September 29, 202272904Toyota Corolla LARClyde G.25Gainsco$100/mo.$99/mo.
September 6, 202272903Toyota PriusARMaria G.22Progressive$200/mo.$153/mo.
August 15, 202272903Dodge Stratus SXTARBill G.19Dairyland$212/mo.$179/mo.

How can you save money on car insurance in Fort Smith?

Let’s face it: living in Fort Smith means living with higher than average insurance rates. Add that to an already high cost of living overall, and saving money on insurance becomes a great way to free up space in your budget.
Sound impossible? Not at all! Here are a few simple ways to save money on car insurance in Fort Smith.

Compare quotes and shop often

That’s right—shopping for car insurance doesn’t have to be a one-and-done. In fact, experts recommend comparing quotes from at least three companies and shopping for new rates every six months!
Okay, we agree: that sounds like a huge pain, especially if it’s only saving you a few extra dollars each month. That’s why we created Jerry, the world’s first super app for car owners. The Jerry app takes the time, effort, and hassle out of car insurance shopping through the power of technology.
In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best coverage at the best rate for you. Pick the quote you like, and Jerry will handle all the paperwork—we’ll even help you cancel your old policy! Best of all, Jerry conducts routine price monitoring so you never have to worry about shopping for new rates again.
And the savings? The average Jerry user saves over $800 a year just by letting the app do their shopping.

Hunt for discounts

Here’s the one insurance savings hack that requires a little legwork on your part: finding discounts. Every insurance company offers them, but they’re not all the same, and companies often won’t advertise them directly.
That means it’s on you to search for the best discounts for you. Call your insurance company and ask about the following types of discount:
  • Good driver discounts:
    Fort Smith drivers are in luck—state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts:
    You need to prove a long record of safe driving for a state-mandated good driver discount, but many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts:
    Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Bundling discounts:
    You’ve heard it before—bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
These are just some of the most popular car insurance discounts in Arkansas—but it’s not an exhaustive list! Call your agent and ask what other discounts are available.

Increase your deductible

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
If you’re wondering “what is my deductible, actually?”, think of it as the amount you’ll pay out of pocket before insurance kicks in. Keeping your deductible low ensures you won’t have to pay much in the event of an accident—but it also means your monthly costs will be higher.
Raising your deductible will lower your regular payments, and if you’re already practicing safe driving for discounts, it’s a win-win! Just make sure that you have enough to cover the deductible if you do get into an accident—after all, there’s no way to predict and prevent every collision.

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