Car Insurance Cost in Fort Smith, AR – 150+ Cheapest Rates Ranked

• Fort Smith car insurance cost averages $1,852 per year for a full coverage insurance policy.
• Car insurance rates for a few popular vehicles in Fort Smith include the Toyota RAV4 at $142 per month, Chevrolet Equinox at $142, and Ram Truck at $178.
• For cheap car insurance in Fort Smith, AR, compact crossovers and SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Hyundai Venue, and Ford Bronco Sport rank near the top.
• A few vehicles with segment-leading car insurance rates in Fort Smith include the Chevrolet Colorado at $1,584 per year, Toyota GR Corolla at $1,610 per year, Mercedes-Benz CLA250 at $1,906 per year, and Subaru Crosstrek at $1,370 per year.

How much is car insurance in Fort Smith?

Average car insurance cost in Fort Smith is $1,852 per year, which is 1.7% less than the overall U.S. national average rate of $1,883 per year. The average monthly cost of car insurance in Fort Smith is $154 for a policy with full coverage.

The average price for car insurance in Arkansas is $1,988 per year, so Fort Smith drivers pay an average of $136 less per year than the overall Arkansas state-wide average rate. The cost to insure a vehicle in Fort Smith compared to other Arkansas cities is $6 per year cheaper than in Fayetteville, $362 per year less than in Little Rock, and $78 per year cheaper than in Jonesboro.

Driver age makes a big difference in the price you pay for auto insurance. The list below illustrates these differences by showing the difference in average car insurance rates for young, middle-age, and senior drivers.

Fort Smith, AR, car insurance cost for drivers age 16 to 60

• 16-year-old rated driver – $6,594 per year or $550 per month
• 17-year-old rated driver – $6,387 per year or $532 per month
• 18-year-old rated driver – $5,726 per year or $477 per month
• 19-year-old rated driver – $5,214 per year or $435 per month
• 20-year-old rated driver – $3,724 per year or $310 per month
• 30-year-old rated driver – $1,976 per year or $165 per month
• 40-year-old rated driver – $1,852 per year or $154 per month
• 50-year-old rated driver – $1,642 per year or $137 per month
• 60-year-old rated driver – $1,538 per year or $128 per month

The next chart shows average car insurance cost in Fort Smith for all 2024 models. Rates are averaged for all Fort Smith Zip Codes and shown by driver age and policy deductible limits.

Average car insurance rates in the previous chart range from $1,300 per year for a policy with high physical damage deductibles for a 60-year-old driver to $4,330 per year for a 20-year-old driver with low physical damage deductibles.

When converted to a monthly cost, the average cost of car insurance per month in Fort Smith ranges from $108 to $361.

Fort Smith car insurance rates vary considerably and can also be very different depending on the company. The likelihood of significant rate variability emphasizes the need for accurate auto insurance quotes when looking for the cheapest rate.

Most popular vehicles in Fort Smith, AR

The previously discussed car insurance rates are an average for all 2024 vehicle models, which is useful when making general comparisons like the average cost difference between multiple locations.

Average auto insurance rates are awesome when presented with a question like “are car insurance rates in Fort Smith cheaper than in Springdale?” or “are car insurance rates in Arkansas cheaper than in Texas?”.

For deeper price comparisons, however, it makes better sense to use rates for the specific vehicle being insured. Each individual vehicle model has unique characteristics for determining the cost of auto insurance and this data provides the means to perform insurance cost projections and comparisons.

The chart below displays average car insurance cost in Fort Smith for some of the more popular models. Towards the end of this article, we examine additional situations that affect the cost of insuring some of these vehicles even more in-depth.

Which vehicles cost the least to insure in Fort Smith, AR?

When comparing all car, SUV, and pickup models, the models with the best insurance prices in Fort Smith tend to be compact SUVs and crossovers like the Subaru Crosstrek, Kia Soul, and Hyundai Venue.

Average auto insurance prices for those small SUVs cost $1,504 or less per year for a full coverage policy.

Examples of other vehicles that rank very well in the comparison table below are the Nissan Murano, Acura RDX, Buick Envista, and Subaru Outback. The average cost is marginally higher for those models than the compact SUVs at the top of the rankings, but they still have an average insurance cost of $1,590 or less per year, or around $133 per month.

The following table lists the top 40 models with the cheapest car insurance rates in Fort Smith, sorted by annual and monthly insurance cost.

The table above that contains 40 vehicles with the cheapest insurance in Fort Smith doesn’t do a great job of providing the full picture of the cost of car insurance in Fort Smith. Considering the fact that we have over 700 models in our database, a lot of vehicles get left off the list. So let’s rethink this and show the models with the cheapest rates in Fort Smith in a format that makes more sense.

The next section of this article talks about the average cost of car insurance for each vehicle segment. This will provide a better idea of which segments have the overall least expensive auto insurance rates in Fort Smith. The six sections following the chart break out and rank the cheapest insurance rates for individual models in the most popular automotive segments.

Fort Smith auto insurance rates by automotive segment

If a different vehicle is in your future, it is useful to know which categories of vehicles have more favorable insurance rates. As an example, you may be wondering if midsize cars cost less to insure than full-size cars or if full-size SUVs are more expensive to insure than midsize or compact SUVs.

The chart below displays the average cost of car insurance rates in Fort Smith for different vehicle segments. When looking at rates from a segment perspective, compact and midsize SUVs, vans, and midsize pickups tend to have the best average rates, while exotic models have the most expensive average insurance cost.

Average rates for different segments are sufficient for making a general comparison, but cost varies quite significantly within each automotive segment shown above.

For example, in the small SUV segment, average Fort Smith auto insurance rates range from the Subaru Crosstrek costing $1,370 per year to the Ford Mustang Mach-E at $2,162 per year, a difference of $792 within that segment.

As another example, in the sports car segment, the cost of insurance ranges from the Mazda MX-5 Miata at $1,716 per year to the Mercedes-Benz SL 63 costing $3,802 per year, a difference of $2,086 within that segment.

In the upcoming sections, we reduce this variability by analyzing the cost of car insurance in Fort Smith for specific cars, trucks, and SUVs.

Cheapest car insurance rates in Fort Smith

Ranked at #1 in Fort Smith for cheapest insurance in the non-luxury sedan segment is the Toyota GR Corolla, costing $1,610 per year. Second place is the Nissan Leaf at $1,618 per year, in third place is the Honda Civic, costing an average of $1,640 per year, and the fourth cheapest is the Nissan Sentra, at an average of $1,696 per year.

Additional cars that are affordable to insure are the Honda Accord, Hyundai Ioniq 6, Toyota Prius, and Chevrolet Malibu, with an average cost to insure of $1,796 per year or less.

On a monthly basis, full-coverage car insurance in this segment for a safe driver will start around $134 per month, depending on where you live and the company you use.

The table below ranks the cars with the lowest-cost auto insurance rates in Fort Smith.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see insurance cost for your vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Fort Smith car insurance quotes from the best auto insurance companies in Arkansas.

Cheapest SUV insurance rates in Fort Smith

The top four non-luxury SUVs with the most affordable average insurance rates in Fort Smith are the Subaru Crosstrek at $1,370 per year, Chevrolet Trailblazer at $1,392 per year, Kia Soul at $1,446 per year, and Nissan Kicks at $1,458 per year.

Additional SUVs that have cheaper rates are the Toyota Corolla Cross, Hyundai Venue, Buick Envision, and Ford Bronco Sport, with average insurance cost of $1,518 per year or less.

Some additional SUVs that make the list include the Honda HR-V, Buick Envista, Buick Encore, Volkswagen Tiguan, and Kia Niro, which average between $1,518 and $1,610 to insure per year.

On a monthly basis, full-coverage insurance in this segment can cost as low as $114 per month, depending on the company.

If rates are ranked by vehicle size, the lowest-cost compact SUV to insure in Fort Smith is the Subaru Crosstrek at $1,370 per year. For midsize 2024 models, the Honda Passport has the cheapest rates at $1,474 per year. And for large SUVs, the Chevrolet Tahoe is cheapest to insure at $1,740 per year.

The rate comparison table below ranks the twenty SUVs with the lowest-cost average car insurance rates in Fort Smith, starting with the Subaru Crosstrek at $1,370 per year and ending with the Honda HR-V at $1,610 per year.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your SUV in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Fort Smith car insurance quotes from top-rated companies in Arkansas.

Cheapest sports car insurance rates in Fort Smith, Arkansas

The three top-ranked sports cars with the lowest-cost average auto insurance rates in Fort Smith are the Mazda MX-5 Miata at $1,716 per year, the Toyota GR86 at $1,952 per year, and the Ford Mustang at $2,036 per year.

Some other sports cars that are affordable to insure include the Subaru BRZ, BMW M2, Lexus RC F, and Nissan Z, with an average car insurance cost of $2,214 per year or less.

Some additional 2024 models that make the list include the Porsche 718, Mercedes-Benz AMG GT53, BMW M3, and Jaguar F-Type, which average between $2,214 and $3,134 per year to insure in Fort Smith.

Full-coverage car insurance in Fort Smith for this segment starts at an average of $143 per month, depending on the company.

The next table ranks the twenty sports cars with the most affordable average auto insurance rates in Fort Smith.

Is your vehicle not in the list? Not a problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Fort Smith.

Cheapest pickups to insure in Fort Smith, Arkansas

The four highest ranking pickups with the most affordable auto insurance rates in Fort Smith are the Chevrolet Colorado at $1,584 per year, Nissan Titan at $1,734 per year, Nissan Frontier at $1,752 per year, and Ford Ranger at $1,766 per year.

Not the cheapest pickups to insure, but still affordable, are trucks like the GMC Sierra 2500 HD, Honda Ridgeline, GMC Canyon, and Toyota Tacoma, with average insurance cost of $1,902 per year or less.

On a monthly basis, car insurance rates in Fort Smith on this segment for an average middle-age driver starts at around $132 per month, depending on where you live and the company you use.

The table below ranks the pickups with the most affordable average car insurance rates in Fort Smith, starting with the Chevrolet Colorado at $132 per month and ending with the Ram Truck at $178 per month.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see your pickup model? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Fort Smith car insurance quotes from top companies in Arkansas.

Cheapest luxury car insurance rates in Fort Smith, Arkansas

The four top-ranked luxury cars with the most affordable insurance in Fort Smith are the Acura Integra at $1,648 per year, BMW 330i at $1,886 per year, Mercedes-Benz CLA250 at $1,906 per year, and Lexus IS 300 at $1,910 per year.

Also ranking well in our comparison are luxury cars like the Genesis G70, Lexus ES 350, Cadillac CT4, and Mercedes-Benz AMG CLA35, with average rates of $1,948 per year or less.

From a monthly standpoint, auto insurance on this segment in Fort Smith will start around $137 per month, depending on the company and where you live.

The cheapest compact luxury car to insure in Fort Smith is the Acura Integra at $1,648 per year. For midsize 2024 models, the Mercedes-Benz CLA250 has the best rates at $1,906 per year. And for large luxury cars, the Audi A5 has the most affordable rates at $2,194 per year.

The table below ranks the twenty luxury cars with the lowest-cost average auto insurance rates in Fort Smith, starting with the Acura Integra at $1,648 per year and ending with the Audi S3 at $2,078 per year.

See our guide for luxury car insurance to compare rates for all makes and models.

Looking for rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Fort Smith car insurance quotes from top-rated companies in Arkansas.

Cheapest luxury SUVs to insure in Fort Smith

Taking the top ranking in Fort Smith for cheapest auto insurance in the luxury SUV segment is the Acura RDX, at an average of $1,550 per year. Second place is the Lexus NX 250 at $1,642 per year, third place goes to the Cadillac XT4, costing an average of $1,672 per year, and the fourth most affordable is the Jaguar E-Pace, at an average of $1,734 per year.

Not the cheapest luxury SUVs to insure, but still very reasonable, are SUVs like the Mercedes-Benz GLB 250, Lincoln Corsair, Lexus UX 250h, and Lexus NX 450h, with average rates of $1,788 per year or less.

Full-coverage insurance in this segment for a middle-age safe driver starts at around $129 per month, depending on your location and insurance company. The rate comparison table below ranks the twenty luxury SUVs with the cheapest insurance in Fort Smith.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Don’t see rates for your luxury SUV? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Arkansas.

Car insurance cost examples

In an effort to show the extent to which auto insurance prices can vary for different applicants, the sections below have a wide range of rates for three popular vehicles in Fort Smith: the Chevrolet Silverado, Toyota Corolla, and Toyota RAV4.

Each vehicle example uses a range of risk profiles to demonstrate how rates have significant variation based on driver risk profile and policy coverages.

Chevrolet Silverado insurance rates

In Fort Smith, Chevrolet Silverado insurance averages $2,048 per year (about $171 per month) and varies from $1,698 to $4,754 per year.

The Chevrolet Silverado is a full-size truck, and additional models from the same segment that are popular in Fort Smith, AR, include the Toyota Tundra, GMC Sierra, and Nissan Titan.

Toyota Corolla insurance rates

In Fort Smith, Toyota Corolla insurance costs an average of $1,804 per year ($150 per month) and has a range of $1,494 to $4,134 annually for the sample driver risk profiles in the rate chart shown below.

The Toyota Corolla is part of the compact car segment, and additional similar models include the Hyundai Elantra, Honda Civic, Chevrolet Cruze, and Nissan Sentra.

Toyota RAV4 insurance rates

Toyota RAV4 insurance in Fort Smith costs an average of $1,704 per year, or around $142 per month, and has a range of $1,416 to $3,922 annually.

The Toyota RAV4 is part of the compact SUV segment, and other popular models include the Chevrolet Equinox, Honda CR-V, Ford Escape, and Subaru Forester.

How to find cheaper car insurance in Fort Smith

Financially savvy drivers are always looking to pay less for auto insurance, so look through the savings concepts in this next list and maybe you’ll find a way to save a little cash on your next renewal.

• Compare car insurance quote before buying a car. Different vehicles, and even different trims of the same vehicle, can have significantly different car insurance rates, and companies can price policies with very different rates. Get quotes to see the cost of insurance before you buy a different vehicle in order to prevent insurance sticker shock when insuring your new car.
• Buy vehicles with low cost insurance rates. The performance of the vehicle you drive is one of the primary factors in the cost of car insurance. For example, a Mazda CX-30 costs $1,120 less per year to insure in Fort Smith than a Dodge Challenger. Lower performance vehicles save money.
• The real world isn’t Grand Theft Auto. If you want cheap auto insurance in Fort Smith, it’s necessary to drive within the law. As few as two driving offenses could result in raising insurance policy cost by at least $492 per year. Serious violations like DUI/DWI and leaving the scene of an accident could raise rates by an additional $1,718 or more.
• Excellent credit equals excellent rates. Having an excellent credit rating above 800 could save around $291 per year when compared to a credit score ranging from 670-739. Conversely, a lesser credit score could cost around $337 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• More discounts equals more savings. Discounted rates may be available if the policyholders insure their home and car with the same company, belong to certain professional organizations, are homeowners, sign their policy early, are military or federal employees, or many other discounts which could save the average Fort Smith driver as much as $312 per year on the cost of auto insurance
• Your job could save you a few bucks. Many auto insurance providers offer discounts for being employed in professions like nurses, lawyers, architects, police officers and law enforcement, members of the military, firefighters, and others. If you’re employed in a qualifying profession, you could potentially save between $56 and $180 on your annual insurance cost, depending on your age.