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Get Cheap Car Insurance in Smith Mills, NY
We monitor insurance prices, helping the average driver in Smith Mills save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Smith Mills
The chart below shows the cheapest car insurance company in Smith Mills 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 Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Smith Mills Insurer | Monthly Cost |
|---|---|
| Kemper | $79 |
| Plymouth Rock Assurance | $106 |
| Safeco Insurance | $114 |
| Geico | $119 |
Savings for Every Kind of Smith Mills Driver
Based on our extensive insurance data, we know the average Smith Mills driver will save about 30% 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 $643 per year by choosing the right vehicle insurance company. Some Smith Mills residents are paying out over $2,158 extra every year for auto insurance in Smith Mills. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Smith Mills, NY Savings / Yr. |
|---|---|
$643 |
|
$410 |
|
$820 |
|
$829 |
|
$2,032 |
|
$680 |
|
$1,083 |
Smith Mills Car Insurance vs. New York
People living in Smith Mills pay an average of 11.01% less than the typical driver in the state. The average driver in Smith Mills can expect to pay about $1,565 per year, or $2,158 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Smith Mills for most people.
Car Insurance Prices by Smith Mills Neighborhood
Insurance Prices
Where is insurance cheapest within Smith Mills?
The map shows insurance prices in and around Smith Mills, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $40 per year within the city boundaries, with insurance premiums ranging from a high of $2,163 to a low of $2,123. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Smith Mills.Pick the Best Car Insurance Company for You in Smith Mills
The best car insurance provider for most drivers in Smith Mills
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $643 over the average Smith Mills car insurance company.
The best car insurance provider for Smith Mills drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $410 over the competition.
The best car insurance company for Smith Mills drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $820 better than other car insurance companies.
The best auto insurance for Smith Mills drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $829 less each year.
The least expensive car insurance company for new and young drivers in Smith Mills
In Smith Mills, Progressive costs young drivers $2,032 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Smith Mills
Progressive gave the largest car insurance discounts to married couples, averaging $680 saved each year compared to an average Smith Mills couple's premiums.
The cheapest car insurance in Smith Mills for drivers with bad credit
The best Smith Mills car insurance company for customer service
Nationwide was the best company for customer service in Smith Mills according to the NAIC.
Recent price drops
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The cheapest large national provider in Smith Mills
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Smith Mills driver can expect to pay about $183 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 Mills, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around Smith Mills
What Influences the Cost of Car Insurance in Smith Mills?
On average, car insurance in Smith Mills is actually less expensive than the rest of the state. These low 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 Mills is 27 minutes, which is a little less than average for a driver in the state.
- New York 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 Mills are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Smith Mills 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 Mills is $130 per month for minimum coverage and $180 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
- Parcells Corner: Insurance costs 0.28% more
- Nashville: Insurance costs 0.32% more
- Silver Creek: Insurance costs 3.01% more
- Forestville: Insurance costs 1.11% less
- West Perrysburg: Insurance costs 0.93% more
- Irving: Insurance costs 5.93% more
- Sheridan: Insurance costs 1.71% less
- Cottage: Insurance costs 0.56% more
- Perrysburg: Insurance costs 4.03% more
- Farnham: Insurance costs 3.10% more
Cities with Similar Populations
- Nutbush: Insurance costs 34.06% less
- North Bradford: Insurance costs 56.07% less
- North Branch: Insurance costs 45.09% less
- North Cazenovia: Insurance costs 3.89% more
- North Cove: Insurance costs 42.59% less
- North Georgetown: Insurance costs 49.91% less
- North Glade: Insurance costs 17.15% less
- North Washington: Insurance costs 43.88% less
- Northeim: Insurance costs 50.42% less
- Norton: Insurance costs 30.12% less