Auto · Metro area · Arkansas
Insurance agencies in the Fort Smith, AR-OK metro area
Competitor counts, household spending and official business counts for insurance agencies in the Fort Smith, AR-OK metro area, set against other metro areas and the U.S.
Groundwork market score · out of 100
Score 51 out of 100: Upper middle
Ranked #180 of 387 scored metro areas
#3 of 5 scored metro areas based in Arkansas
- Listings
- 180
- 43 chain locations (24%)
- Official establishments
- 110
- +0.9% since 2019
- Household spending a year
- $230.6M
- On vehicle insurance · $2,534 a household
- Spending per listing
- $1.3M
- 2% above the U.S.
- Listings per 10k households
- 19.8
- 27% above the U.S.
- Population, 2025
- 234,140
- +3.1% since 2020
See the insurance agencies around any address in the Fort Smith metro area
The site report maps the insurance agencies on map listings near the address, by name and distance, and sizes the households and spending around it. Or open the report at the center of the Fort Smith metro area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
At $2,534 per household (29% above the U.S. average), households in the Fort Smith metro area spend about $230.6M a year on vehicle insurance. That is about $1.3M of household spending for each agency on map listings, 2% above the U.S. figure of $1.3M.
There are 180 insurance agencies on map listings in the Fort Smith metro area as of September 2026. Of those, 43 are chain locations, or 24%, against 21% across the U.S. That is 19.8 per 10,000 households, 27% above the U.S. rate of 15.6.
In 2023, official counts showed 110 businesses with payroll in the Fort Smith metro area classed as insurance agencies and brokerages, up 0.9% from 2019. That is one for every 827 households, against one for every 966 across the U.S. Since fiscal 2022, 2 SBA-backed loans worth $154K have gone to businesses classed as insurance agencies and brokerages in the Fort Smith metro area.
Population estimates show the Fort Smith metro area grew 3.1% from 2020 to 2025, in step with the U.S. (+3.1%). The Fort Smith metro area scores 51 (upper middle) on the Groundwork market score for insurance agencies, ranking #180 of 387 scored metro areas and #3 of 5 scored metro areas based in Arkansas.
How the Fort Smith metro area compares
The same measures for Arkansas and the whole U.S. Spending per listing divides a year of household spending on all vehicle insurance by the insurance agencies counted, so it measures the demand for each competitor, not any business’s revenue. Households per establishment does the same with the official count.
| Measure | Fort Smith metro area | Arkansas | U.S. |
|---|---|---|---|
| Listings per 10k households | 19.8 | 17.9 | 15.6 |
| Spending per listing | $1.3M | $1.4M | $1.3M |
| Households per official establishment | 827 | 795 | 966 |
| Official establishment growth, 2019–2023 | +0.9% | +0.7% | −1.0% |
| Population growth, 2020–2025 | +3.1% | +3.3% | +3.1% |
| Spending per household on vehicle insurance | $2,534 | $2,473 | $1,957 |
| Median household income | $58,468 | $60,773 | $80,734 |
| Groundwork market score | 51 | 56 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 110+0.9% over the period
- Employees, 2023
- 571
- Annual payroll, 2023
- $34.6M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 18043 chain locations
- Listings at the U.S. rate for this spending
- 184The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 2
- Amount
- $154K
SBA-backed loans to businesses classed as insurance agencies and brokerages in the Fort Smith metro area, through June 2026, placed by the borrower’s ZIP code. Official establishments are businesses with payroll; the official counts leave out places with fewer than 3.
Population and households in the Fort Smith metro area
- Population, 2025 estimate
- 234,140+3.1% since 2020
- Households
- 90,992
- Median age
- 39.2
- Homes lived in by their owners
- 67%
- Vehicles per household
- 1.9
- Land area
- 1,800 sq. mi.
- People per square mile
- 128
- Median household income
- $58,468
- Average household income
- $82,344
- Median home value
- $171,200
- Jobs located here
- 98,120
- Daytime population
- 234,865Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Fort Smith metro area?
These figures cover the whole metro area. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the insurance agencies on map listings by name and distance.
Or open the report at the center of the Fort Smith metro area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardInsurance agencies across Arkansas
Every Arkansas market ranked →The highest-scoring metro areas in Arkansas for insurance agencies, numbered among those based in Arkansas (a market based in another state is listed without a number), with the Fort Smith metro area marked.
Top metro areas in Arkansas
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Fayetteville-Springdale-Rogers, AR | 67 | 392 | 18.2 | $1.4M | +13.1% | #98 of 387 |
| Memphis, TN-MS-AR | 57 | 853 | 16.3 | $1.5M | −0.3% | #144 of 387 |
| 2Jonesboro, AR | 53 | 95 | 17.8 | $1.3M | +3.6% | #171 of 387 |
| 3Fort Smith, AR-OK | 51 | 180 | 19.8 | $1.3M | +3.1% | #180 of 387 |
| 4Little Rock-North Little Rock-Conway, AR | 44 | 613 | 19.7 | $1.2M | +3.8% | #225 of 387 |
| Texarkana, TX-AR | 41 | 108 | 19.2 | $1.2M | −0.4% | #244 of 387 |
| 5Hot Springs, AR | 32 | 94 | 21.5 | $1.1M | −0.6% | #297 of 387 |
Other business types in the Fort Smith metro area
Each with its Groundwork market score here, out of 100, where it has one.
Food and drink
Groceries and convenience
Auto
Beauty and personal care
Fitness and classes
Health care
Child care
Clothing and laundry
Home services
Real estate
Funeral services
Questions
How many insurance agencies are in the Fort Smith, AR-OK metro area?
As of September 2026, map listings count 180 insurance agencies in the Fort Smith metro area. 43 of them (24%) are chain locations. The listings count insurance agencies. Official counts show 110 businesses with payroll classed as insurance agencies and brokerages in 2023, up 0.9% from 2019.
How much do households in the Fort Smith, AR-OK metro area spend on vehicle insurance?
About $230.6M a year, or $2,534 per household. That is 29% above the U.S. average (an index of 129, where 100 is the U.S. average). Spread across the 180 insurance agencies on map listings, it comes to $1.3M per agency. It is estimated from the incomes of the 90,992 households in the Fort Smith metro area and national spending patterns by income.
How does the Fort Smith, AR-OK metro area compare with the U.S. for insurance agencies?
The Fort Smith metro area has 19.8 insurance agencies per 10,000 households, 27% above the U.S. rate of 15.6. Spending per agency is $1.3M, 2% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, the Fort Smith metro area would have about 184, against 180 on map listings. There is one business with payroll in the industry for every 827 households, against one for every 966 across the U.S. The official count rose 0.9% from 2019 to 2023, against −1.0% for the U.S.
How fast is the Fort Smith, AR-OK metro area growing?
Population estimates put the Fort Smith metro area at 234,140 people in 2025, up 3.1% since 2020, in step with the U.S. (+3.1%). It has 90,992 households. Median household income in the Fort Smith metro area is $58,468, 28% below the U.S. median of $80,734.
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. The Fort Smith metro area scores 51 for insurance agencies (upper middle), #180 of 387 scored metro areas.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Fort Smith metro area. It maps the insurance agencies on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
How the score works · Top markets for insurance agencies · All 56 business types in the Fort Smith metro area
Screening a site or an acquisition in the Fort Smith metro area?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of the Fort Smith metro area. Signed out, you see a blurred preview; on an account, each report is one action.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.