Compare Smithfield, KY Car Insurance Rates (2021)

Car insurance in Smithfield, KY averages $363 a month. Smithfield, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Smithfield car insurance rates, compare quotes from the top car insurance companies in Smithfield, KY.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Smithfield, KY are $4,352/year
  • Average car insurance rates in Smithfield, KY after a DUI are $5,241/year
  • The cheapest car insurance company in Smithfield is USAA

If you need to buy Smithfield, Kentucky car insurance, the options can be confusing. Everything you need to know about car insurance in Smithfield, KY is right here.

You’ll find Smithfield car insurance rates, the cheapest Smithfield, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Smithfield, Kentucky car insurance rates to Florence car insurance rates, Independence car insurance rates, and Nicholasville car insurance rates.

Ready to find affordable Smithfield, KY car insurance today? Enter your ZIP code for fast, free Smithfield car insurance quotes.

Cheapest Smithfield, KY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Smithfield, KY car insurance rates? Every Smithfield, Kentucky car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Smithfield, Kentucky

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 $3,324 $3,285 $3,008 $3,211 $12,578 $14,145 $3,671 $3,873
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $2,623 $2,843 $2,217 $2,480 $10,976 $12,167 $2,751 $2,878
Nationwide $3,300 $3,314 $2,972 $3,117 $7,450 $9,339 $3,740 $3,944
Progressive $2,046 $1,946 $1,837 $1,845 $9,975 $11,290 $2,536 $2,593
State Farm $1,844 $1,844 $1,646 $1,646 $5,506 $6,983 $2,059 $2,300
Travelers $2,174 $2,213 $2,135 $2,136 $10,217 $16,221 $2,276 $2,641
USAA $1,849 $1,850 $1,670 $1,696 $4,960 $5,220 $2,333 $2,552

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Minimum Car Insurance in Smithfield, KY

Every driver must carry the minimum car insurance in Smithfield, KY. Take a look at the Kentucky car insurance requirements.

Minimum Required Car Insurance Coverage in Smithfield, Kentucky

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Smithfield, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Smithfield, KY. Compare credit history car insurance rates in Smithfield from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Smithfield, Kentucky

Insurance Company Poor Fair Good
Allstate $7,788 $5,387 $4,485
GEICO $7,256 $3,623 $2,361
Liberty Mutual $6,953 $4,274 $3,374
Nationwide $5,647 $4,437 $3,858
Progressive $4,754 $4,151 $3,871
State Farm $4,313 $2,598 $2,024
Travelers $5,584 $4,721 $4,700
USAA $4,110 $2,308 $1,882

Cheapest Smithfield, KY 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 Smithfield, KY to rates for a clean record with top companies.

Annual Smithfield, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,867 $6,371 $6,808 $5,502
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $4,062 $6,239 $4,854 $4,313
Nationwide $3,682 $4,781 $6,064 $4,062
Progressive $3,523 $5,215 $4,017 $4,279
State Farm $2,722 $3,234 $2,978 $2,978
Travelers $4,358 $4,485 $6,483 $4,681
USAA $2,084 $2,947 $3,525 $2,510

Cheapest Smithfield, KY Car Insurance for Teen Drivers

Teen car insurance in Smithfield, KY can be expensive. Take a look at rates from the top car insurance companies in Smithfield for teenagers.

Annual Car Insurance Rates for Teen Drivers in Smithfield, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,578 $14,145
GEICO $7,170 $8,568
Liberty Mutual $10,976 $12,167
Nationwide $7,450 $9,339
Progressive $9,975 $11,290
State Farm $5,506 $6,983
Travelers $10,217 $16,221
USAA $4,960 $5,220

Cheapest Smithfield, KY Car Insurance for Seniors

Take a look at Smithfield, KY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Smithfield, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,008 $3,211
GEICO $3,742 $3,389
Liberty Mutual $2,217 $2,480
Nationwide $2,972 $3,117
Progressive $1,837 $1,845
State Farm $1,646 $1,646
Travelers $2,135 $2,136
USAA $1,670 $1,696

Cheapest Smithfield, KY Car Insurance Rates After a DUI

A DUI in Smithfield, KY increases car insurance rates. Compare Smithfield, Kentucky DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Smithfield, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,808
GEICO $7,199
Liberty Mutual $4,854
Nationwide $6,064
Progressive $4,017
State Farm $2,978
Travelers $6,483
USAA $3,525

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Cheapest Smithfield, KY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Smithfield, KY by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Smithfield, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,887 $5,887
GEICO $4,371 $4,456
Liberty Mutual $4,867 $4,867
Nationwide $4,647 $4,647
Progressive $4,259 $4,259
State Farm $2,904 $3,052
Travelers $5,002 $5,002
USAA $2,664 $2,869

The Best Cheap Car Insurance Companies in Smithfield, KY

Take a look at a side-by-side comparison of the top car insurance companies in Smithfield, KY to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Smithfield, Kentucky

Insurance Company Average Annual Rates
Allstate $5,887
GEICO $4,413
Liberty Mutual $4,867
Nationwide $4,647
Progressive $4,259
State Farm $2,978
Travelers $5,002
USAA $2,766

Category Winners: Cheapest Car Insurance in Smithfield, Kentucky

Find the cheapest car insurance companies in Smithfield, KY for each category right here.

Best Annual Car Insurance Rates by Company in Smithfield, Kentucky

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Smithfield, KY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Smithfield car insurance rates. Find the cheapest Smithfield, KY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Smithfield, Kentucky

Insurance Company Low Medium High
Allstate $5,464 $5,863 $6,334
GEICO $4,176 $4,404 $4,660
Liberty Mutual $4,641 $4,838 $5,121
Nationwide $4,735 $4,596 $4,611
Progressive $3,930 $4,206 $4,640
State Farm $2,806 $2,978 $3,152
Travelers $4,790 $5,031 $5,184
USAA $2,639 $2,760 $2,900

What affects car insurance rates in Smithfield, Kentucky?

What factors can have an impact on Smithfield, KY car insurance? There are several reasons why Smithfield car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Smithfield, Kentucky.

Commute Time in Smithfield

The more time you spend in your car the higher the risk of an accident. The average commute length in Smithfield, KY is 29.2 minutes according to City-Data.

Compare Car Insurance Quotes in Smithfield, KY

Ready to find affordable Smithfield, Kentucky car insurance today? Enter your ZIP code for fast, free Smithfield, KY car insurance quotes.

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