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Get Cheap Car Insurance in Smiths Grove, KY
We monitor insurance prices, helping the average driver in Smiths Grove save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Smiths Grove
The chart below shows the cheapest car insurance company in Smiths Grove 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 Grove Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $59 |
| State Farm | $59 |
| Travelers | $86 |
| Geico | $93 |
Savings for Every Kind of Smiths Grove Driver
Based on our extensive insurance data, we know the average Smiths Grove 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 $520 per year by choosing the right vehicle insurance company. Some Smiths Grove residents are paying out over $2,060 extra every year for auto insurance in Smiths Grove. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Smiths Grove, KY Savings / Yr. |
|---|---|
$520 |
|
$853 |
|
$840 |
|
$849 |
|
$1,681 |
|
$563 |
|
$902 |
Smiths Grove Car Insurance vs. Kentucky
People living in Smiths Grove pay an average of 3.48% less than the typical driver in the state. The average driver in Smiths Grove can expect to pay about $1,061 per year, or $2,060 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Smiths Grove for most people.
Car Insurance Prices by Smiths Grove Neighborhood
Insurance Prices
Where is insurance cheapest within Smiths Grove?
The map shows insurance prices in and around Smiths Grove, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $203 per year within the city boundaries, with insurance premiums ranging from a high of $2,196 to a low of $1,993. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the West parts of Smiths Grove.Pick the Best Car Insurance Company for You in Smiths Grove
The best car insurance provider for most drivers in Smiths Grove
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $520 over the average Smiths Grove car insurance company.
The best car insurance provider for Smiths Grove 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 $853 over the competition.
The best car insurance company for Smiths Grove drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $840 better than other car insurance companies.
The best auto insurance for Smiths Grove drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $849 less each year.
The least expensive car insurance company for new and young drivers in Smiths Grove
In Smiths Grove, State Farm costs young drivers $1,681 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Smiths Grove
State Farm gave the largest car insurance discounts to married couples, averaging $563 saved each year compared to an average Smiths Grove couple's premiums.
The cheapest car insurance in Smiths Grove for drivers with bad credit
The best Smiths Grove car insurance company for customer service
Nationwide was the best company for customer service in Smiths Grove according to the NAIC.
Recent price drops
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The cheapest large national provider in Smiths Grove
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Smiths Grove 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 Grove, 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 Grove
What Influences the Cost of Car Insurance in Smiths Grove?
On average, car insurance in Smiths Grove 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 Smiths Grove is 35 minutes, which is about the national 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 Grove are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Smiths Grove 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 Grove is $88 per month for minimum coverage and $172 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
- Rocky Hill: Insurance costs 0.53% more
- Oakland: Insurance costs 2.04% less
- Sunnyside: Insurance costs 0.15% more
- Merry Oaks: Insurance costs 0.87% less
- Park City: Insurance costs 0.49% less
- Nick: Insurance costs 1.26% more
- Stovall: Insurance costs 2.86% less
- Girkin: Insurance costs 0.97% more
- Motley: Insurance costs 2.18% less
- Martinsville: Insurance costs 4.85% more
Cities with Similar Populations
- Emmitsburg: Insurance costs 15.78% less
- El Dorado Springs: Insurance costs 11.65% less
- Elba: Insurance costs 28.93% less
- Elberta: Insurance costs 26.65% less
- Eliot: Insurance costs 54.95% less
- Ellabell: Insurance costs 15.87% less
- Ellenville: Insurance costs 15.49% more
- Ellerslie: Insurance costs 18.30% less
- Elm Grove: Insurance costs 44.27% less
- Elverta: Insurance costs 3.06% less