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Get Cheap Car Insurance in Smithfield, VA
We monitor insurance prices, helping the average driver in Smithfield save up to 38.8% on car insurance.
The Cheapest Minimum Coverage in Smithfield
The chart below shows the cheapest car insurance company in Smithfield 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 Metromile, followed by Geico, Farm Bureau, and Safeco Insurance.
| Smithfield Insurer | Monthly Cost |
|---|---|
| Metromile | $44 |
| Geico | $50 |
| Farm Bureau | $52 |
| Safeco Insurance | $55 |
Savings for Every Kind of Smithfield Driver
Based on our extensive insurance data, we know the average Smithfield driver will save about 38% 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 $458 per year by choosing the right vehicle insurance company. Some Smithfield residents are paying out over $1,216 extra every year for auto insurance in Smithfield. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Smithfield, VA Savings / Yr. |
|---|---|
$458 |
|
$782 |
|
$669 |
|
$654 |
|
$1,071 |
|
$245 |
|
$441 |
Smithfield Car Insurance vs. Virginia
People living in Smithfield pay an average of 0.05% more than the typical driver in the state. The average driver in Smithfield can expect to pay about $841 per year, or $1,216 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Smithfield for most people.
Car Insurance Prices by Smithfield Neighborhood
Insurance Prices
Where is insurance cheapest within Smithfield?
The map shows insurance prices in and around Smithfield, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $109 per year within the city boundaries, with insurance premiums ranging from a high of $1,270 to a low of $1,161. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northeast parts of Smithfield.Pick the Best Car Insurance Company for You in Smithfield
The best car insurance provider for most drivers in Smithfield
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $458 over the average Smithfield car insurance company.
The best car insurance provider for Smithfield drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $782 over the competition.
The best car insurance company for Smithfield drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $669 better than other car insurance companies.
The best auto insurance for Smithfield drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $654 less each year.
The least expensive car insurance company for new and young drivers in Smithfield
In Smithfield, Erie Insurance costs young drivers $1,071 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Smithfield
Farm Bureau gave the largest car insurance discounts to married couples, averaging $245 saved each year compared to an average Smithfield couple's premiums.
The cheapest car insurance in Smithfield for drivers with bad credit
The best Smithfield car insurance company for customer service
Nationwide was the best company for customer service in Smithfield according to the NAIC.
Recent price drops
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The cheapest large national provider in Smithfield
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Smithfield driver can expect to pay about $89 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 Smithfield, USAA has the best prices for young drivers, drivers with accidents, drivers with bad credit, married couples, drivers with speeding tickets, drivers with a DUI conviction, and good drivers.Auto Insurance Prices in and Around Smithfield
What Influences the Cost of Car Insurance in Smithfield?
On average, car insurance in Smithfield 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 Smithfield is 37 minutes, which is about the national average for a driver in the state.
- Virginia state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Smithfield are higher than 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 C+ according to CrimeGrade.org.
- Smithfield is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Smithfield is $70 per month for minimum coverage and $101 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
- Lawson: Insurance costs 0.25% more
- Isle of Wight: Insurance costs 0.08% more
- Carrollton: Insurance costs 2.88% less
- Longview: Insurance costs 0.16% less
- Comet: Insurance costs 0.49% less
- Rushmere: Insurance costs 1.81% more
- Everets: Insurance costs 1.97% less
- Pons: Insurance costs 1.48% more
- Newport News: Insurance costs 5.02% more
- Whitley: Insurance costs 2.55% less
Cities with Similar Populations
- Kathleen: Insurance costs 39.88% more
- Fort Riley: Insurance costs 32.32% more
- Fort Thomas: Insurance costs 69.41% more
- Fort Valley: Insurance costs 44.49% more
- Fostoria: Insurance costs 9.13% less
- Franklin Farm: Insurance costs 9.05% more
- Franklin: Insurance costs 67.76% more
- Franklinton: Insurance costs 156.17% more
- Fredericksburg: Insurance costs 32.24% more
- Fruita: Insurance costs 40.63% more