🚗 Car insurance cost in Fort Smith, AR (2027)

Estimated average: $2,064 per year — -4% vs. the U.S. average of $2,150.

By EPG Digital Editorial Team · Editorial & research teamUpdated September 2026 · Reviewed for accuracy by our editorial team
Cars on a street, representing auto insurance coverage — Fort Smith, Arkansas
Car insurance in Fort Smith is estimated at $2,064 per year, below the Arkansas average. Photo: Jeremy Segrott from Cardiff, Wales, UK (CC BY 2.0)

With about 89,142 residents, Fort Smith is a smaller city and the #3 largest city in Arkansas. Car insurance rates here are estimated at $2,064 per year, below the Arkansas average of $2,150 — a gap driven by local factors like traffic density, accident and theft rates, and repair costs. Below you can estimate a price for your own profile and compare Fort Smith with other Arkansas cities.

$2,064
Est. car insurance in Fort Smith
per year
$2,150
Arkansas average
$2,150
U.S. average
89,142
Population

Estimate your car insurance in Fort Smith

Fort Smith car insurance estimator

Estimated$3,612/year

Starts from the Fort Smith estimate. Get quotes to confirm your price.

Fort Smith car insurance FAQ

How much is car insurance in Fort Smith, AR?

The estimated average is $2,064 per year — below the state average (-4% vs. the Arkansas average of $2,150, and -4% vs. the U.S. average).

Is car insurance more expensive in Fort Smith than elsewhere in Arkansas?

Fort Smith has about 89,142 residents. Larger metro areas usually see different rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.

How do I get the cheapest car insurance in Fort Smith?

Compare at least three quotes from insurers active in Fort Smith, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.

← All Arkansas car insurance costs