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Get Cheap Car Insurance in Smith Town, KY
We monitor insurance prices, helping the average driver in Smith Town save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Smith Town
The chart below shows the cheapest car insurance company in Smith Town 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 Town Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $62 |
| State Farm | $62 |
| Travelers | $91 |
| Geico | $98 |
Savings for Every Kind of Smith Town Driver
Based on our extensive insurance data, we know the average Smith Town 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 $552 per year by choosing the right vehicle insurance company. Some Smith Town residents are paying out over $2,185 extra every year for auto insurance in Smith Town. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Smith Town, KY Savings / Yr. |
|---|---|
$552 |
|
$905 |
|
$891 |
|
$901 |
|
$1,783 |
|
$597 |
|
$956 |
Smith Town Car Insurance vs. Kentucky
People living in Smith Town pay an average of 2.37% more than the typical driver in the state. The average driver in Smith Town can expect to pay about $1,125 per year, or $2,185 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Smith Town for most people.
Car Insurance Prices by Smith Town Neighborhood
Insurance Prices
Where is insurance cheapest within Smith Town?
The map shows insurance prices in and around Smith Town, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $69 per year within the city boundaries, with insurance premiums ranging from a high of $2,188 to a low of $2,119. 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 Town.Pick the Best Car Insurance Company for You in Smith Town
The best car insurance provider for most drivers in Smith Town
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $552 over the average Smith Town car insurance company.
The best car insurance provider for Smith Town 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 $905 over the competition.
The best car insurance company for Smith Town drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $891 better than other car insurance companies.
The best auto insurance for Smith Town drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $901 less each year.
The least expensive car insurance company for new and young drivers in Smith Town
In Smith Town, State Farm costs young drivers $1,783 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Smith Town
State Farm gave the largest car insurance discounts to married couples, averaging $597 saved each year compared to an average Smith Town couple's premiums.
The cheapest car insurance in Smith Town for drivers with bad credit
The best Smith Town car insurance company for customer service
Nationwide was the best company for customer service in Smith Town according to the NAIC.
Recent price drops
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The cheapest large national provider in Smith Town
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Smith Town 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 Town, 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 Town
What Influences the Cost of Car Insurance in Smith Town?
On average, car insurance in Smith Town 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 Town is 36 minutes, which is a little 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 Town are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Smith Town is one of the least populated areas 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 Town is $94 per month for minimum coverage and $182 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
- Stearns: Insurance costs 0.87% less
- Marshes Siding: Insurance costs the same
- Whitley City: Insurance costs 0.27% less
- Revelo: Insurance costs 1.14% less
- White Oak Junction: Insurance costs the same
- Silerville: Insurance costs 3.02% less
- Pine Knot: Insurance costs 0.14% less
- Hollyhill: Insurance costs 1.05% more
- Strunk: Insurance costs 0.92% more
- Beulah Heights: Insurance costs 1.56% less
Cities with Similar Populations
- Rabbittown: Insurance costs 27.55% less
- Mount Olive: Insurance costs 6.86% more
- Mount Union: Insurance costs 44.30% less
- Mulberry: Insurance costs 5.81% less
- Napoli: Insurance costs 2.52% less
- Naumburg: Insurance costs 6.32% less
- Nauvoo: Insurance costs 38.40% less
- Phalanx: Insurance costs 49.29% less
- Potter: Insurance costs 28.56% less
- Pruett: Insurance costs 26.68% less