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Auto Insurance in Fort Smith, AR

Local car insurance for Fort Smith. Pick your ZIP for the most local rates, or get free quotes now.

Short answer: car insurance in Fort Smith, AR depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. Local averages: get a quote for your exact rate.
Updated August 2026
Fort Smith, AR
Population ~87,650 · Sebastian County · Arkansas statewide average: ~$1,051/yr (NAIC, 2023).

Fort Smith ZIP codes

Car Insurance 72901
Car Insurance 72902
Car Insurance 72903
Car Insurance 72904
Car Insurance 72905
Car Insurance 72906
Car Insurance 72908
Car Insurance 72913

FAQ

How much is car insurance in Fort Smith, AR?

Fort Smith rates depend on your ZIP, coverage and profile; the Arkansas statewide average is about $1,051/yr (NAIC, 2023). Compare free car insurance quotes from licensed partners.

Which ZIP codes are covered in Fort Smith?

We list Fort Smith ZIP-level pages below; each shows local car insurance details and free quotes.