Best Smithville, TX Car Insurance in 2024
Car insurance in Smithville, TX averages $325 a month. Smithville, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Smithville car insurance rates, compare quotes from the top car insurance companies in Smithville, TX.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Smithville, TX after a DUI are $4,442/year
- The cheapest car insurance company in Smithville for teen drivers is USAA
- Average car insurance rates in Smithville, TX are $3,901/year
If you need to buy Smithville, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Smithville, TX is right here.
You’ll find Smithville car insurance rates, the cheapest Smithville, TX car insurance companies, and information on Texas car insurance laws. You can also compare Smithville, Texas car insurance rates to Arlington car insurance rates, El Paso car insurance rates, and Corpus Christi car insurance rates.
Ready to find affordable Smithville, TX car insurance today? Enter your ZIP code for fast, free Smithville car insurance quotes.
Cheapest Smithville, TX Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Smithville, TX car insurance rates? Every Smithville, Texas car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,362 | $3,395 | $3,322 | $3,322 | $8,766 | $10,589 | $4,153 | $4,330 |
| American Family | $2,636 | $2,942 | $2,483 | $2,851 | $7,118 | $9,286 | $3,811 | $4,340 |
| Geico | $2,397 | $2,598 | $2,328 | $2,654 | $5,300 | $5,516 | $2,596 | $2,588 |
| Nationwide | $2,826 | $2,877 | $2,491 | $2,642 | $8,062 | $10,372 | $3,325 | $3,602 |
| Progressive | $2,479 | $2,371 | $2,202 | $2,246 | $10,363 | $11,571 | $2,956 | $3,019 |
| State Farm | $2,091 | $2,091 | $1,856 | $1,856 | $4,944 | $6,290 | $2,269 | $2,342 |
| USAA | $1,504 | $1,520 | $1,432 | $1,431 | $4,107 | $4,494 | $2,001 | $2,161 |
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Minimum Car Insurance in Smithville, TX
Every driver must carry the minimum car insurance in Smithville, TX. Take a look at the Texas car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Smithville, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Smithville, TX. Compare credit history car insurance rates in Smithville from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,567 | $4,797 | $4,101 |
| American Family | $6,064 | $3,868 | $3,368 |
| Geico | $5,011 | $2,837 | $1,893 |
| Nationwide | $5,445 | $4,354 | $3,775 |
| Progressive | $5,239 | $4,524 | $4,191 |
| State Farm | $4,206 | $2,614 | $2,081 |
| USAA | $3,437 | $1,973 | $1,584 |
Cheapest Smithville, TX Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Smithville, TX to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,022 | $6,163 | $6,412 | $4,022 |
| American Family | $4,029 | $5,162 | $4,514 | $4,029 |
| Geico | $2,757 | $3,658 | $3,030 | $3,543 |
| Nationwide | $3,918 | $3,918 | $5,831 | $4,432 |
| Progressive | $4,056 | $5,236 | $4,738 | $4,574 |
| State Farm | $2,644 | $3,023 | $3,559 | $2,644 |
| USAA | $1,747 | $2,562 | $3,012 | $2,004 |
Cheapest Smithville, TX Car Insurance for Teen Drivers
Teen car insurance in Smithville, TX can be expensive. Take a look at rates from the top car insurance companies in Smithville for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,766 | $10,589 |
| American Family | $7,118 | $9,286 |
| Geico | $5,300 | $5,516 |
| Nationwide | $8,062 | $10,372 |
| Progressive | $10,363 | $11,571 |
| State Farm | $4,944 | $6,290 |
| USAA | $4,107 | $4,494 |
Cheapest Smithville, TX Car Insurance for Seniors
Take a look at Smithville, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,322 | $3,322 |
| American Family | $2,483 | $2,851 |
| Geico | $2,328 | $2,654 |
| Nationwide | $2,491 | $2,642 |
| Progressive | $2,202 | $2,246 |
| State Farm | $1,856 | $1,856 |
| USAA | $1,432 | $1,431 |
Cheapest Smithville, TX Car Insurance Rates After a DUI
A DUI in Smithville, TX increases car insurance rates. Compare Smithville, Texas DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,412 |
| American Family | $4,514 |
| Geico | $3,030 |
| Nationwide | $5,831 |
| Progressive | $4,738 |
| State Farm | $3,559 |
| USAA | $3,012 |
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Cheapest Smithville, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Smithville, TX by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,033 | $5,276 |
| American Family | $4,433 | $4,433 |
| Geico | $3,188 | $3,306 |
| Nationwide | $4,525 | $4,525 |
| Progressive | $4,651 | $4,651 |
| State Farm | $2,967 | $2,967 |
| USAA | $2,302 | $2,361 |
The Best Cheap Car Insurance Companies in Smithville, TX
Take a look at a side-by-side comparison of the top car insurance companies in Smithville, TX to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,155 |
| American Family | $4,433 |
| Geico | $3,247 |
| Nationwide | $4,525 |
| Progressive | $4,651 |
| State Farm | $2,967 |
| USAA | $2,331 |
Category Winners: Cheapest Car Insurance in Smithville, Texas
Find the cheapest car insurance companies in Smithville, TX for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
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Cheapest Smithville, TX Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Smithville car insurance rates. Find the cheapest Smithville, TX car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,024 | $5,106 | $5,334 |
| American Family | $4,138 | $4,276 | $4,887 |
| Geico | $3,070 | $3,204 | $3,468 |
| Nationwide | $4,884 | $4,329 | $4,361 |
| Progressive | $4,468 | $4,633 | $4,852 |
| State Farm | $2,822 | $2,959 | $3,121 |
| USAA | $2,257 | $2,323 | $2,414 |
What affects car insurance rates in Smithville, Texas?
What factors can have an impact on Smithville, TX car insurance? There are several reasons why Smithville car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Smithville, Texas.
Car Theft in Smithville
High levels of vehicle theft can make car insurance more expensive. Smithville, TX car theft statistics from the FBI indicate 6 vehicle thefts a year.
Commute Time in Smithville
The more time you spend in your car the higher the risk of an accident. The average commute length in Smithville, TX is 26.8 minutes according to City-Data.
Compare Car Insurance Quotes in Smithville, TX
Ready to find affordable Smithville, Texas car insurance today? Enter your ZIP code for fast, free Smithville, TX car insurance quotes.
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Frequently Asked Questions
What is the average monthly car insurance rate in Smithville, TX?
The average monthly car insurance rate is $325.
What are the car insurance requirements in Smithville, TX?
The requirements are 30/60/25 (coverage for bodily injury and property damage).
How can I find cheap car insurance rates in Smithville, TX?
Compare quotes from top car insurance companies in the area.
Are there special rates for teen and senior drivers in Smithville, TX?
Rates may vary for teens and seniors, so it’s important to compare options.
How can I compare car insurance quotes in Smithville, TX?
Use the free quote tool by entering your ZIP code.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.