Fort Smith, AR Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Fort Smith, AR, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

How to Save on Car Insurance in Fort Smith, AR?

The average cost of auto insurance in Fort Smith, AR, is $1,129. This is lower than in most neighboring places such as Van Buren, Upper, Barling, Lon Norris, and Mont Sandals. Residents of Fort Smith should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Fort Smith.

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO provides a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Fort Smith, AR, post-DUI, increases to $1,874. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Fort Smith. Other violations that can have a long-term impact on auto insurance in Fort Smith include driving with an expired license and running a red light.

Credit Score:

Having an “excellent” or “good” credit score will help car owners save on auto insurance in Fort Smith, AR. In contrast, an “average” or “poor” auto insurance can lead to a massive increase. The cost of auto insurance can rise up if the credit score if the driver is poor.

Anti-Theft Device:

Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower auto insurance costs. A passive disabling device fetches the most amount of savings. 

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such cars, Farmers offers car owners discounts of up to 5% in some states.

Deductibles:

Paying a higher deductible will also help car owners lower the cost of insurance. For instance, Fort Smith’s yearly premium on a low deductible($500) is $2,789. It decreases to $2,356 when the deductible is higher ($1,000).

Multi-Car Insurance:

In Fort Smith, AR, Car owners can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in Fort Smith, AR, is $1,987, while it would cost $3,974 for four vehicles. The savings on multi-car insurance in Fort Smith also depends on the make and model of the car. 

Factors that can influence the cost of car insurance in Fort Smith, AR are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Fort Smith, AR Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Fort Smith, AR with that of other cities in and around Fort Smith.

	Fort Smith	Van Buren	Upper	Barling	Lon Norris	Mont Sandels
Average Insurance Rates	$1,129	$1,540	$1,530	$1,523	$1,610	$1,523

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Fort Smith, AR Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Fort Smith, AR based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Fort Smith	$2,789	$2,356
Upper	$1,063	$898
Lon Norris	$2,215	$1,871
Arkoma	$1,571	$1,327
Barling	$1,613	$1,362
Moffett	$1,516	$1,281
Mont Sandels	$1,633	$1,379
Van Buren	$1,982	$1,674

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Fort Smith, AR Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Fort Smith, AR usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$3,663
20 Years	$1,451
30 Years	$1,117
40 Years	$1,075
50 Years	$996
60 Years	$1,009
70 Years	$1,175

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Fort Smith, AR Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Fort Smith, AR can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$1,987	$271
3 Vehicles	$2,981	$406
4 Vehicles	$3,974	$542

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Fort Smith, AR Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Fort Smith, AR.

Location	Average Insurance Cost	Post DUI Insurance Rate
Fort Smith	$1,129	$1,874
Upper	$1,530	$2,540
Lon Norris	$1,610	$2,673
Arkoma	$1,525	$2,382
Barling	$1,523	$2,528
Moffett	$1,472	$2,299
Mont Sandels	$1,523	$2,528
Van Buren	$1,540	$2,557

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Fort Smith, AR Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$969
Excellent (740-799)	$1,106
Good (670-739)	$1,176
Average (580-669)	$1,535
Poor (300-579)	$1,842

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Fort Smith, AR Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name	Company	Agent Address	Contact Details
Craig Gigerich	State Farm	725 N Greenwood Ave, Fort Smith, 72901-3127	479-434-4844
Arvid Bean	State Farm	3620 S 91st St, Fort Smith, 72903-5610	479-452-1919
Van Basham	Farmers	701 Fayetteville Rd, Van Buren, 72956	(479) 474-1986
Van Basham	Farmers	701 Fayetteville Rd, Van Buren, 72956	(479) 474-1986
Jmr/Pfp Ins	Liberty Mutual Independent	1120 Garrison Ave., Fort Smith, 72901	(479) 201-8700
Timothy Morrison	Allstate	2711 Oak Ln Ste 1, Van Buren, 72956	(479) 474-7028
Davis Insurance Agency Inc	Travelers	416 E PRIDEMORE, LINCOLN, 72744	479-824-3181
Arthur J Gallagher Risk Management Svcs Inc	Travelers	400 ROGERS AVE, FORT SMITH, 72901	479-649-0033
Larry Greenwood	Nationwide	95 Southwinds Rd STE 1, Farmington, 72730	(479) 267-4219
Darrin Taylor	Allstate	188 W Main St Ste 3, Farmington, 72730	(479) 267-5700

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Fort Smith, AR Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$50	$1,179
Driver's Failure In Showing Documents	+$110	$1,239
Driving With An Expired Registration	+$116	$1,245
Driving At A Considerably Slow Pace	+$245	$1,374
Using A Cellphone While Driving	+$259	$1,388
Running A Red Light	+$263	$1,392
Speeding	+$277	$1,406
Driving A Vehicle Without The Required Permission	+$351	$1,480
Driving With An Expired/Suspended License	+$761	$1,890

Fort Smith, AR Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,084
Active Disabling Device	$1,084
Tracking Device	$1,061
Passive Disabling Device	$1,050

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Latest Auto Insurance Reviews in Fort Smith, AR | Back to Top