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Get Cheap Car Insurance in Smiths Creek, KY
We monitor insurance prices, helping the average driver in Smiths Creek save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Smiths Creek
The chart below shows the cheapest car insurance company in Smiths Creek 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.
| Smiths Creek Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $62 |
| State Farm | $63 |
| Travelers | $92 |
| Geico | $99 |
Savings for Every Kind of Smiths Creek Driver
Based on our extensive insurance data, we know the average Smiths Creek 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 $555 per year by choosing the right vehicle insurance company. Some Smiths Creek residents are paying out over $2,199 extra every year for auto insurance in Smiths Creek. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Smiths Creek, KY Savings / Yr. |
|---|---|
$555 |
|
$911 |
|
$896 |
|
$907 |
|
$1,795 |
|
$601 |
|
$962 |
Smiths Creek Car Insurance vs. Kentucky
People living in Smiths Creek pay an average of 3.03% more than the typical driver in the state. The average driver in Smiths Creek can expect to pay about $1,132 per year, or $2,199 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Smiths Creek for most people.
Car Insurance Prices by Smiths Creek Neighborhood
Insurance Prices
Where is insurance cheapest within Smiths Creek?
The map shows insurance prices in and around Smiths Creek, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $131 per year within the city boundaries, with insurance premiums ranging from a high of $2,302 to a low of $2,171. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of Smiths Creek.Pick the Best Car Insurance Company for You in Smiths Creek
The best car insurance provider for most drivers in Smiths Creek
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $555 over the average Smiths Creek car insurance company.
The best car insurance provider for Smiths Creek 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 $911 over the competition.
The best car insurance company for Smiths Creek drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $896 better than other car insurance companies.
The best auto insurance for Smiths Creek drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $907 less each year.
The least expensive car insurance company for new and young drivers in Smiths Creek
In Smiths Creek, State Farm costs young drivers $1,795 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Smiths Creek
State Farm gave the largest car insurance discounts to married couples, averaging $601 saved each year compared to an average Smiths Creek couple's premiums.
The cheapest car insurance in Smiths Creek for drivers with bad credit
The best Smiths Creek car insurance company for customer service
Nationwide was the best company for customer service in Smiths Creek according to the NAIC.
Recent price drops
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The cheapest large national provider in Smiths Creek
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Smiths Creek 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 Smiths Creek, 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 Smiths Creek
What Influences the Cost of Car Insurance in Smiths Creek?
On average, car insurance in Smiths Creek 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 Smiths Creek is 50 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 Smiths Creek are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Smiths Creek is one of the most densely populated areas 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 Smiths Creek is $94 per month for minimum coverage and $183 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
- Wesleyville: Insurance costs 2.86% less
- Tannery: Insurance costs 0.18% more
- Kehoe: Insurance costs 1.86% more
- Firebrick: Insurance costs 6.05% more
- Garrison: Insurance costs 1.68% more
- Emerson: Insurance costs 4.27% less
- Smoky Valley: Insurance costs 1.36% more
- York: Insurance costs 0.50% less
- Prater: Insurance costs 2.55% more
- Wolf: Insurance costs 1.41% more
Cities with Similar Populations
- Peoria: Insurance costs 17.51% less
- Pond Gap: Insurance costs 30.88% less
- Point Isabel: Insurance costs 48.84% less
- Plainview: Insurance costs 42.16% less
- Pittston: Insurance costs 56.75% less
- Pitt: Insurance costs 25.78% less
- Piney Grove: Insurance costs 28.79% less
- Pine Knob: Insurance costs 3.59% less
- Perdue Hill: Insurance costs 30.06% less
- Poplar City: Insurance costs 34.52% less