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Get Cheap Car Insurance in Smiths Station, AL
We monitor insurance prices, helping the average driver in Smiths Station save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in Smiths Station
The chart below shows the cheapest car insurance company in Smiths Station 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 Travelers, followed by Gainsco, State Farm, and Safe Auto.
| Smiths Station Insurer | Monthly Cost |
|---|---|
| Travelers | $71 |
| Gainsco | $74 |
| State Farm | $78 |
| Safe Auto | $79 |
Savings for Every Kind of Smiths Station Driver
Based on our extensive insurance data, we know the average Smiths Station 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 $397 per year by choosing the right vehicle insurance company. Some Smiths Station residents are paying out over $1,605 extra every year for auto insurance in Smiths Station. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Smiths Station, AL Savings / Yr. |
|---|---|
$397 |
|
$541 |
|
$507 |
|
$575 |
|
$1,248 |
|
$69 |
|
$339 |
Smiths Station Car Insurance vs. Alabama
People living in Smiths Station pay an average of 0.12% more than the typical driver in the state. The average driver in Smiths Station can expect to pay about $1,059 per year, or $1,605 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Smiths Station for most people.
Car Insurance Prices by Smiths Station Neighborhood
Insurance Prices
Where is insurance cheapest within Smiths Station?
The map shows insurance prices in and around Smiths Station, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $258 per year within the city boundaries, with insurance premiums ranging from a high of $1,747 to a low of $1,489. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the North parts of Smiths Station.Pick the Best Car Insurance Company for You in Smiths Station
The best car insurance provider for most drivers in Smiths Station
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $397 over the average Smiths Station car insurance company.
The best car insurance provider for Smiths Station 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 $541 over the competition.
The best car insurance company for Smiths Station drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $507 better than other car insurance companies.
The best auto insurance for Smiths Station drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $575 less each year.
The least expensive car insurance company for new and young drivers in Smiths Station
In Smiths Station, Travelers costs young drivers $1,248 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Smiths Station
State Farm gave the largest car insurance discounts to married couples, averaging $69 saved each year compared to an average Smiths Station couple's premiums.
The cheapest car insurance in Smiths Station for drivers with bad credit
The best Smiths Station car insurance company for customer service
Nationwide was the best company for customer service in Smiths Station according to the NAIC.
Recent price drops
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The cheapest large national provider in Smiths Station
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Smiths Station driver can expect to pay about $101 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 Station, USAA has the best prices for drivers with accidents, married couples, good drivers, young drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around Smiths Station
What Influences the Cost of Car Insurance in Smiths Station?
On average, car insurance in Smiths Station 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:
- Alabama 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 Station are about 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 A- according to CrimeGrade.org.
- Smiths Station 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 Smiths Station is $88 per month for minimum coverage and $134 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
- Smiths: Insurance costs 1.93% less
- Phenix City: Insurance costs 0.31% more
- Salem: Insurance costs 4.42% less
- Powledge: Insurance costs 6.04% less
- Fortson: Insurance costs 6.60% more
- Columbus: Insurance costs 14.95% more
- Piney Grove: Insurance costs 8.16% more
- Highland Pines: Insurance costs 5.61% more
- Fort Benning: Insurance costs 4.36% more
- Mountain Hill: Insurance costs 7.98% more
Cities with Similar Populations
- St. Helena: Insurance costs 22.37% more
- Spooner: Insurance costs 26.11% less
- Spring Arbor: Insurance costs 65.36% more
- Spring Grove: Insurance costs 6.23% less
- Spring Hope: Insurance costs 21.37% less
- Spring Valley: Insurance costs 13.89% less
- Springfield: Insurance costs 25.42% less
- Springville: Insurance costs 32.77% more
- St. Francisville: Insurance costs 93.02% more
- St. Gabriel: Insurance costs 97.38% more