Fort Smith, AR
Insuring your car and home in Fort Smith, AR
Commute, vehicle, and housing data for Fort Smith, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Census data show Fort Smith drivers commuting alone at a rate of 77% and homeowners making up 53% of households. Here is what that means for auto and home coverage in a city of about 90,507.
Cars, commutes, and households in Fort Smith
| Measure | Fort Smith | Arkansas |
|---|---|---|
| Drive alone to work | 77% | 79% |
| Carpool | 12% | 9% |
| Work from home | 8% | 9% |
| Commute of 45 minutes or more | 4% | 11% |
| Commute under 15 minutes | 47% | 34% |
| Households with no vehicle | 8% | 6% |
| Households with 3 or more vehicles | 18% | 23% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Long commutes are shorter in Fort Smith than statewide: 4% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Fewer Fort Smith workers telecommute (8%) than the state average, which means more cars on the road at rush hour.
18% of Fort Smith households keep three or more vehicles, and 8% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Owning a home in Fort Smith
The median owner-occupied home in Fort Smith is valued at $178,100, and half of the city's homes were built before 1977. The Arkansas median value is $188,000. Your dwelling limit should match rebuild cost, which can differ from market value.
Benchmark: $1,437 was the average 2023 Arkansas HO-3 premium at the $150,000–$199,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Arkansas auto minimums that apply in Fort Smith
The state minimum is 25/50/25. Additional requirement: none beyond liability. See our state minimums guide for how these compare across our ten states.
One insurer or two for a Fort Smith household
Most Fort Smith homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
What can go wrong in Fort Smith
Plan for flooding on rural roads, along with tornadoes and straight-line winds. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
See FEMA's National Risk Index for local hazard scores.
How Fort Smith compares in Arkansas
Little Rock: 76% drive alone, 5% commute 45+ minutes, median home $236,400. Fayetteville shows 15% working from home and a median home value of $349,600. Springdale: 78% drive alone, 5% commute 45+ minutes, median home $261,800. Fort Smith ranks 16th for long commutes among the 20 Arkansas cities we profile.
Gathering details for a Fort Smith auto and home quote
- Your Fort Smith address, square footage, and year built
- Mortgage company for the home
- Accidents, tickets, and claims from the last five years
- Drivers' names and dates of birth
- VINs from registrations or the dashboard
- Annual mileage for each car
Fort Smith auto and home insurance FAQ
What auto insurance is required in Fort Smith?
Arkansas requires liability of 25/50/25; none beyond liability.
Do Fort Smith drivers have long commutes?
About 4% of Fort Smith workers commute 45 minutes or more and 47% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Fort Smith?
Prices depend on the home and coverage. The NAIC's 2023 Arkansas HO-3 average was $1,870; see the Arkansas page.
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Last updated October 15, 2026 · How we research