Compare Smithfield, WV Car Insurance Rates (2021)

Car insurance in Smithfield, WV averages $339 a month. Smithfield, West Virginia 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, WV.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

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.

Here's What You Need to Know

  • Average car insurance rates in Smithfield, WV are $4,064/year
  • The cheapest car insurance company in Smithfield is State Farm
  • The cheapest car insurance company in Smithfield for teen drivers is State Farm

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

You’ll find Smithfield car insurance rates, the cheapest Smithfield, WV car insurance companies, and information on West Virginia car insurance laws. You can also compare Smithfield, West Virginia car insurance rates to Huntington car insurance rates, Vienna car insurance rates, and Clarksburg car insurance rates.

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

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

How do age, gender, and marital status affect Smithfield, WV car insurance rates? Every Smithfield, West Virginia 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, West Virginia

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 $2,964 $2,757 $2,638 $2,646 $10,561 $11,024 $3,299 $3,312
GEICO $2,820 $2,783 $2,689 $2,607 $6,842 $8,256 $2,714 $2,829
Liberty Mutual $3,804 $4,137 $3,057 $3,724 $14,055 $15,870 $3,942 $4,345
Nationwide $1,997 $2,027 $1,819 $1,906 $5,159 $6,526 $2,252 $2,410
Progressive $2,391 $2,303 $2,197 $2,196 $10,410 $11,755 $2,885 $2,991
State Farm $1,767 $1,767 $1,582 $1,582 $3,887 $5,023 $2,086 $1,652
USAA $1,729 $1,706 $1,606 $1,621 $5,703 $6,313 $2,236 $2,405

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Smithfield, WV

Every driver must carry the minimum car insurance in Smithfield, WV. Take a look at the West Virginia car insurance requirements.

Minimum Required Car Insurance Coverage in Smithfield, West Virginia

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, WV Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Smithfield, WV. 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, West Virginia

Insurance Company Poor Fair Good
Allstate $5,939 $4,723 $4,039
GEICO $4,755 $3,865 $3,208
Liberty Mutual $9,481 $5,803 $4,565
Nationwide $3,429 $2,896 $2,712
Progressive $5,207 $4,521 $4,196
State Farm $3,479 $2,116 $1,660
USAA $4,300 $2,470 $1,975

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

Annual Smithfield, West Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,148 $4,908 $5,842 $4,702
GEICO $2,427 $3,919 $6,819 $2,605
Liberty Mutual $5,430 $6,837 $7,579 $6,620
Nationwide $2,409 $3,216 $3,745 $2,679
Progressive $3,935 $5,276 $4,721 $4,634
State Farm $2,227 $2,610 $2,418 $2,418
USAA $2,293 $2,709 $3,862 $2,796

Cheapest Smithfield, WV Car Insurance for Teen Drivers

Teen car insurance in Smithfield, WV 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, West Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,561 $11,024
GEICO $6,842 $8,256
Liberty Mutual $14,055 $15,870
Nationwide $5,159 $6,526
Progressive $10,410 $11,755
State Farm $3,887 $5,023
USAA $5,703 $6,313

Cheapest Smithfield, WV Car Insurance for Seniors

Take a look at Smithfield, WV 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, West Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,638 $2,646
GEICO $2,689 $2,607
Liberty Mutual $3,057 $3,724
Nationwide $1,819 $1,906
Progressive $2,197 $2,196
State Farm $1,582 $1,582
USAA $1,606 $1,621

Cheapest Smithfield, WV Car Insurance Rates After a DUI

A DUI in Smithfield, WV increases car insurance rates. Compare Smithfield, West Virginia DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Smithfield, West Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,842
GEICO $6,819
Liberty Mutual $7,579
Nationwide $3,745
Progressive $4,721
State Farm $2,418
USAA $3,862

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Smithfield, WV Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Smithfield, West Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,900 $4,900
GEICO $3,900 $3,985
Liberty Mutual $6,616 $6,616
Nationwide $3,012 $3,012
Progressive $4,641 $4,641
State Farm $2,354 $2,482
USAA $2,881 $2,949

The Best Cheap Car Insurance Companies in Smithfield, WV

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

Average Annual Car Insurance Rates by Company in Smithfield, West Virginia

Insurance Company Average Annual Rates
Allstate $4,900
GEICO $3,942
Liberty Mutual $6,616
Nationwide $3,012
Progressive $4,641
State Farm $2,418
USAA $2,915

Category Winners: Cheapest Car Insurance in Smithfield, West Virginia

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

Best Annual Car Insurance Rates by Company in Smithfield, West Virginia

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Smithfield, WV 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, WV car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Smithfield, West Virginia

Insurance Company Low Medium High
Allstate $4,755 $4,893 $5,052
GEICO $3,728 $3,952 $4,148
Liberty Mutual $6,288 $6,601 $6,960
Nationwide $2,927 $3,002 $3,108
Progressive $4,477 $4,598 $4,849
State Farm $2,282 $2,412 $2,561
USAA $2,813 $2,910 $3,022

What affects car insurance rates in Smithfield, West Virginia?

What factors can have an impact on Smithfield, WV 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, West Virginia.

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, WV is 62.0 minutes according to City-Data.

Compare Car Insurance Quotes in Smithfield, WV

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption