Car insurance rates in Fort Smith October 2025
The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
- USAA provides the cheapest liability coverage at $27 per month in Fort Smith.
- USAA offers the cheapest rates for full coverage insurance in Fort Smith at $75 per month.
Read on to learn more about car insurance price trends in Fort Smith. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in Fort Smith
For drivers looking to meet Fort Smith minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liability insurance in Fort Smith
#1. USAA: $27
#2. Auto-Owners Insurance Co: $29
#3. State Farm: $33
#4. Auto-Owners: $35
#5. Travelers: $36
Cheap full coverage in Fort Smith
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in Fort Smith
#1. Auto-Owners Insurance Co: $75
#2. Travelers: $98
#3. AAA: $100
#4. Southern Farm Bureau: $108
#4. USAA: $108
Impact of traffic violations on Fort Smith auto insurance rates
In Fort Smith, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Fort Smith may differ from the national average due to regional risks and rules.
Here's a breakdown of average auto insurance rates in Fort Smith after common driving violations.
- No violation: $184
- Not-at-fault accident: $188
- Failure to wear a seat belt: $221
- Speeding 6 - 10 MPH over limit: $228
- Speeding 21 - 25 MPH over limit: $238
- DUI: $288
- Reckless driving: $293
- Driving with a suspended license: $301
- Leaving scene of an accident/hit and run: $306
