Car Insurance in Fort Smith, AR

Enjoy worry-free driving in the Natural State with the best car insurance in Fort Smith, AR.
Compare, shop and customize quotes from top-rated insurance carriers.

You Need Modern Car Insurance in the Historic Wild West

Fort Smith lies in the Arkansas River Valley, just over the border from Oklahoma. The population is 89,992 people, with a density of 1,393 people per square mile. Both resident Arkies and Okies from across the river work here and spend approximately 17.87 minutes commuting to work. Only 0.5% of residents use the Fort Smith Transit System, so having a reliable car is an important part of life in Fort Smith.

As you travel through town, you can park outside Miss Laura's. This historic bordello is now on the National Register of Historic Places and serves as the town's visitor center. Learn about the 49ers and the gold rush at the Fort Smith Museum of History. Other educational places to visit include the Trolley and the U.S. Marshals Museums.

At the Fort Smith Historic Site, you can see Belle Point. This area is a beautiful place to park and look at the convergence of the Arkansas and Poteau Rivers. From the parking area, you can also walk to the Trail of Tears overlook or visit the Commissary, the oldest building in town.

Car Insurance in Fort Smith, AR Covers Many Risks

Reckless drivers

The average yearly cost of car insurance in Fort Smith, AR is $1,416. Insurance is higher in Arkansas because the state has more traffic accidents than most of the country. In 2021, 32 people were in fatal car accidents in Fort Smith, 4 being pedestrians. Visibility was not a factor because 41.2% of these wrecks occurred during the day, and 88.2% under clear conditions.

Vehicle Theft

When it comes to vehicle theft, Fort Smith receives a failing grade. The risk of having your car broken into or stolen is 1 in 137 in the western part of the city and 1 in 272 in the southeast. Your car is in greater danger in only 7% of U.S. cities. Without comprehensive car insurance in Fort Smith, AR, you will not receive any compensation for your stolen items.

Climate Extremes

Living in Arkansas provides the worst of both summer heat and winter cold. Fort Smith experiences an average of 62.8 days below freezing and 8.7 days with temperatures above 100 degrees. These climate extremes mean your insurance policy is there to cover damages due to the following weather-related problems:

  • Frozen fuel line
  • Dead battery
  • Over-inflated tires
  • Overheated engine

VIU by HUB Shows You the Best Rates

In a state with above-average vehicle insurance premiums, it is smart to compare quotes from multiple insurers. Doing so allows you to see which companies provide services in your area, what types of coverage they have available and how much the monthly premiums cost. VIU by HUB allows you to see all this information at once so that you can easily make comparisons.

The rate comparison tool will ask for some basic information about you and your vehicle. These facts are necessary to calculate your quotes because rates vary based on some of the following factors:

  • Type of vehicle
  • Home address
  • Age and gender
  • Driving history

One of the best things about using VIU by HUB's online rate comparison tool is that it saves you time. Instead of making an appointment to talk to an insurance agent, you can browse policies at your convenience from anywhere.

No one will pressure you to take out a policy with a certain company or pay for coverages you do not want. You can take your time to investigate your options and choose only the protection you need.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Best Places

Crime Grade

National Weather Service

Neighborhood Scout

U.S. Census Bureau

Auto insurance in Arkansas by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.