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Get Cheap Car Insurance in Smith, KY
We monitor insurance prices, helping the average driver in Smith save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Smith
The chart below shows the cheapest car insurance company in Smith for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by State Farm, Travelers, and Geico.
| Smith Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $67 |
| State Farm | $67 |
| Travelers | $98 |
| Geico | $105 |
Savings for Every Kind of Smith Driver
Based on our extensive insurance data, we know the average Smith driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $591 per year by choosing the right vehicle insurance company. Some Smith residents are paying out over $2,341 extra every year for auto insurance in Smith. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Smith, KY Savings / Yr. |
|---|---|
$591 |
|
$970 |
|
$954 |
|
$965 |
|
$1,911 |
|
$640 |
|
$1,025 |
Smith Car Insurance vs. Kentucky
People living in Smith pay an average of 9.70% more than the typical driver in the state. The average driver in Smith can expect to pay about $1,206 per year, or $2,341 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Smith for most people.
Car Insurance Prices by Smith Neighborhood
Insurance Prices
Where is insurance cheapest within Smith?
The map shows insurance prices in and around Smith, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $2,341 to a low of $2,341. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Smith.Pick the Best Car Insurance Company for You in Smith
The best car insurance provider for most drivers in Smith
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $591 over the average Smith car insurance company.
The best car insurance provider for Smith drivers with accidents on their records
In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $970 over the competition.
The best car insurance company for Smith drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $954 better than other car insurance companies.
The best auto insurance for Smith drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $965 less each year.
The least expensive car insurance company for new and young drivers in Smith
In Smith, State Farm costs young drivers $1,911 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Smith
State Farm gave the largest car insurance discounts to married couples, averaging $640 saved each year compared to an average Smith couple's premiums.
The cheapest car insurance in Smith for drivers with bad credit
The best Smith car insurance company for customer service
Recent price drops
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The cheapest large national provider in Smith
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Smith driver can expect to pay about $144 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Smith, USAA has the best prices for drivers with a DUI conviction, drivers with speeding tickets, married couples, drivers with bad credit, drivers with accidents, young drivers, and good drivers.Auto Insurance Prices in and Around Smith
What Influences the Cost of Car Insurance in Smith?
On average, car insurance in Smith is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Smith is 42 minutes, which is far more than average for a driver in the state.
- Kentucky state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Smith are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Smith is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Smith is $100 per month for minimum coverage and $195 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Liggett: Insurance costs 5.21% less
- Gulston: Insurance costs 5.21% less
- Rose Hill: Insurance costs 46.60% less
- Three Point: Insurance costs 2.48% less
- Mary Alice: Insurance costs 5.21% less
- Lenarue: Insurance costs 5.21% less
- Hubbard Springs: Insurance costs 45.75% less
- Grays Knob: Insurance costs 5.21% less
- Cawood: Insurance costs 1.62% less
- Coalgood: Insurance costs 1.28% less
Cities with Similar Populations
- Boulder City: Insurance costs 24.69% less
- Warren Grove: Insurance costs 25.54% less
- Warm River: Insurance costs 52.07% less
- Wanilla: Insurance costs 25.29% less
- Wanamie: Insurance costs 41.22% less
- Walton: Insurance costs 39.26% less
- Brave: Insurance costs 41.22% less
- Brant Lake: Insurance costs 34.52% less
- Boyer: Insurance costs 28.19% less
- Waldrop: Insurance costs 47.97% less