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Get Cheap Car Insurance in Smiths Mill, MN
We monitor insurance prices, helping the average driver in Smiths Mill save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Smiths Mill
The chart below shows the cheapest car insurance company in Smiths Mill 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 State Farm, followed by Auto-Owners Insurance, Kemper, and American Family Insurance.
| Smiths Mill Insurer | Monthly Cost |
|---|---|
| State Farm | $48 |
| Auto-Owners Insurance | $53 |
| Kemper | $56 |
| American Family Insurance | $56 |
Savings for Every Kind of Smiths Mill Driver
Based on our extensive insurance data, we know the average Smiths Mill driver will save about 27% 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 $404 per year by choosing the right vehicle insurance company. Some Smiths Mill residents are paying out over $1,501 extra every year for auto insurance in Smiths Mill. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Smiths Mill, MN Savings / Yr. |
|---|---|
$404 |
|
$509 |
|
$327 |
|
$665 |
|
$1,140 |
|
$337 |
|
$887 |
Smiths Mill Car Insurance vs. Minnesota
People living in Smiths Mill pay an average of 6.52% less than the typical driver in the state. The average driver in Smiths Mill can expect to pay about $777 per year, or $1,501 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Smiths Mill for most people.
Car Insurance Prices by Smiths Mill Neighborhood
Insurance Prices
Where is insurance cheapest within Smiths Mill?
The map shows insurance prices in and around Smiths Mill, 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 $1,516 to a low of $1,476. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the South parts of Smiths Mill.Pick the Best Car Insurance Company for You in Smiths Mill
The best car insurance provider for most drivers in Smiths Mill
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $404 over the average Smiths Mill car insurance company.
The best car insurance provider for Smiths Mill drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $509 over the competition.
The best car insurance company for Smiths Mill drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $327 better than other car insurance companies.
The best auto insurance for Smiths Mill drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $665 less each year.
The least expensive car insurance company for new and young drivers in Smiths Mill
In Smiths Mill, State Farm costs young drivers $1,140 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Smiths Mill
State Farm gave the largest car insurance discounts to married couples, averaging $337 saved each year compared to an average Smiths Mill couple's premiums.
The cheapest car insurance in Smiths Mill for drivers with bad credit
The best Smiths Mill car insurance company for customer service
Nationwide was the best company for customer service in Smiths Mill according to the NAIC.
Recent price drops
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The cheapest large national provider in Smiths Mill
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Smiths Mill driver can expect to pay about $116 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 Mill, USAA has the best prices for young drivers, drivers with accidents, married couples, good drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around Smiths Mill
What Influences the Cost of Car Insurance in Smiths Mill?
On average, car insurance in Smiths Mill 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 Mill is 26 minutes, which is a little less than average for a driver in the state.
- Minnesota 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 Mill are lower 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 B+ according to CrimeGrade.org.
- Smiths Mill 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 Smiths Mill is $65 per month for minimum coverage and $125 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
- Janesville: Insurance costs 1.07% more
- Madison Lake: Insurance costs 0.80% more
- St. Clair: Insurance costs 1.60% less
- Eagle Lake: Insurance costs 0.53% less
- Elysian: Insurance costs 4.33% more
- Marysburg: Insurance costs 2.40% more
- Pemberton: Insurance costs 2.00% more
- Mankato: Insurance costs 1.93% more
- Waterville: Insurance costs 4.60% more
- Cleveland: Insurance costs 3.00% more
Cities with Similar Populations
- Parr: Insurance costs 20.52% less
- Oscar: Insurance costs 17.79% more
- Oslo: Insurance costs 7.79% more
- Osmond: Insurance costs 2.27% more
- Ospur: Insurance costs 8.73% less
- Pacama: Insurance costs 54.30% more
- Pace: Insurance costs 86.01% more
- Palito Blanco: Insurance costs 14.06% more
- Panther Creek: Insurance costs 21.19% less
- Parkerfield: Insurance costs 2.07% more