Fort Smith Car Insurance

Your Complete Car Insurance Guide for Fort Smith, AR

(Find the right car insurance policy for you)

Fort Smith, Arkansas, is a city of over 87,000 residents. It is located on the Arkansas-Oklahoma border, and is a major transportation hub for the region, sitting at the crossroads of two major highways and surrounded on three sides by the Arkansas River.

Roads can get pretty busy at any time of day in Fort Smith. The best way to make sure you can recover financially if you are in a car accident is to purchase a Fort Smith car insurance policy.

With the help of a TrustedChoice.com® independent insurance agent, you can find affordable coverage that gives you peace of mind. Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

How Much Does Fort Smith Car Insurance Cost?

You may think Fort Smith car insurance costs a lot, but it doesn’t have to. Your rates are based on your vehicle's age, model, and average annual mileage. Where you live plays a role, too. If your rates seem high, it may be because of some of your individual risk factors. And it’s also possible that you simply need to shop around. After weighing out your options, the average cost of Fort Smith car Insurance is $204 Per Month.

A TrustedChoice.com agent will get to know you and can offer multiple coverage options so you can make the best choice for your needs and budget.


What Does Fort Smith Car Insurance Actually Do for Me?

A Fort Smith car insurance policy can help you pay for medical bills or car repairs if you are at fault for an accident. It can also help you pay if your car is stolen or damaged in some other way.

The costs of a serious accident can easily surpass the minimum liability limits required by the state of Arkansas. Consider talking through your options with a TrustedChoice.com agent.

Here’s a look at how a Fort Smith car insurance policy can help you recover financially after a crash.

  • Fix your car: We officially call this "Comprehensive & Collision Coverage." Nothing required.
  • Fix someone else's car: We officially call this "Property Damage Liability." Required minimum $25,000.
  • Pay your medical bills: We officially call this "Personal Injury Protection" or "PIP." Required minimum $5,000.
  • Pay someone else's medical bills: We officially call this "Bodily Injury Liability." Required minimum $25,000 per person, $50,000 per accident.

Who Pays if the Accident Wasn't My Fault?

The driver who caused the accident pays, of course. Sometimes, people drive without insurance.

16.6% of Arkansas drivers are uninsured. And without a financial backup plan for accidents, you could be on the hook for an accident caused by an uninsured driver. That's why Arkansas drivers need “uninsured motorist coverage.” If an uninsured driver causes an accident, it pays for your own vehicle damage and medical bills in the absence of the at-fault driver’s insurance.

Some states require all drivers to purchase a minimum amount of uninsured motorist coverage.

Arkansas has the ninth highest percentage of uninsured drivers in the US, and Arkansas does not require you to have uninsured motorist coverage.

What Affects the Cost of Fort Smith Auto Insurance?

Fort Smith car insurance costs are based on your personal risk factors, such as the following:

  • Your age and gender
  • Your ZIP code
  • Your history of accidents and claims
  • The kind of car you drive
  • The number of cars and drivers in your household

Where you live plays a huge role in what you pay for car insurance. It helps the insurance company determine how risky you are to insure. If you have a long daily commute or if your city has a high rate of auto theft, you likely will pay more for car insurance than someone with a short commute in a very safe city.

The type of car you drive is also very important. Cars that cost a lot to repair or replace, such as hybrids or luxury vehicles, will cost more to insure than cars with more typical repair costs. If you drive a car with a powerful engine, you might be more likely to get into an accident. You can expect to pay more for Fort Smith car insurance in that case, too.

Fortunately, most insurance companies offer a variety of discounts that may help to offset some of the costs. Your TrustedChoice.com independent agent can help you determine if you are eligible for any discounts.

Here Are Some City Factors That Will Affect Your Rate:

Commute time: Simply put, the more time you spend on the road, the more likely it is that you'll be in an accident. Fort Smith drivers spend less time on the road than most, which can help keep insurance rates relatively low.

  • National average: 25.4 minutes
  • Fort Smith average: 15 minutes

Theft in your city: The rate of auto theft in Fort Smith is similar to the US rate, overall. It’s important to realize that cars can be stolen anywhere no matter where you live. Car insurance helps you pay to repair a vandalized vehicle and to replace a stolen vehicle and personal belongings.

And remember, a few common sense deterrents can go a long way to prevent auto theft.

  • Always lock your car.
  • Park in well-lit areas.
  • Install a car alarm or other security device.

Not only will these measures help protect you from auto theft, but also many insurance companies offer discounts for drivers of vehicles with anti-theft devices.

  • Auto theft rate in US (per 1,000 vehicles): 2.28
  • Auto theft rate in Fort Smith (per 1,000 vehicles): 2.48

How to Find Affordable Auto Insurance in Fort Smith

TrustedChoice.com independent insurance agents take pride in offering quality, affordable car insurance to Fort Smith residents.

Our agents aren't tied down to one carrier. They can get quotes from numerous insurance companies, so you have a variety of policy options.

No matter where you live or what you drive, a TrustedChoice.com independent agent will assess the risks you face so you can find coverage that meets your needs and budget.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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