Compare Smithland, KY Car Insurance Rates (2021)

Car insurance in Smithland, KY averages $362 a month. Smithland, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Smithland car insurance rates, compare quotes from the top car insurance companies in Smithland, 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

  • The cheapest car insurance company in Smithland is USAA
  • The cheapest car insurance company in Smithland for teen drivers is USAA
  • Average car insurance rates in Smithland, KY are $4,340/year

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

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

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

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

How do age, gender, and marital status affect Smithland, KY car insurance rates? Every Smithland, 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 Smithland, 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 $3,165 $3,154 $2,834 $3,027 $11,209 $12,592 $3,563 $3,792
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,711 $2,940 $2,295 $2,564 $11,060 $12,246 $2,850 $2,991
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,270 $2,178 $2,018 $2,041 $10,576 $11,944 $2,817 $2,889
State Farm $2,479 $2,479 $2,214 $2,214 $7,388 $9,298 $2,761 $3,115
Travelers $2,209 $2,250 $2,159 $2,166 $10,385 $16,610 $2,305 $2,680
USAA $1,757 $1,772 $1,580 $1,623 $4,521 $4,786 $2,227 $2,454

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Minimum Car Insurance in Smithland, KY

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

Minimum Required Car Insurance Coverage in Smithland, 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 Smithland, KY Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Smithland, Kentucky

Insurance Company Poor Fair Good
Allstate $7,166 $4,945 $4,139
GEICO $6,955 $3,473 $2,264
Liberty Mutual $7,091 $4,346 $3,434
Nationwide $4,672 $3,666 $3,197
Progressive $5,158 $4,466 $4,151
State Farm $5,762 $3,490 $2,729
Travelers $5,688 $4,809 $4,789
USAA $3,862 $2,154 $1,754

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

Annual Smithland, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,539 $5,856 $6,193 $5,080
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $4,140 $6,349 $4,944 $4,394
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,803 $5,597 $4,340 $4,627
State Farm $3,650 $4,338 $3,994 $3,994
Travelers $4,446 $4,575 $6,593 $4,768
USAA $1,957 $2,767 $3,284 $2,352

Cheapest Smithland, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Smithland, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,209 $12,592
GEICO $6,831 $8,150
Liberty Mutual $11,060 $12,246
Nationwide $6,037 $7,550
Progressive $10,576 $11,944
State Farm $7,388 $9,298
Travelers $10,385 $16,610
USAA $4,521 $4,786

Cheapest Smithland, KY Car Insurance for Seniors

Take a look at Smithland, 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 Smithland, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,834 $3,027
GEICO $3,608 $3,267
Liberty Mutual $2,295 $2,564
Nationwide $2,519 $2,640
Progressive $2,018 $2,041
State Farm $2,214 $2,214
Travelers $2,159 $2,166
USAA $1,580 $1,623

Cheapest Smithland, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Smithland, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,193
GEICO $6,862
Liberty Mutual $4,944
Nationwide $4,997
Progressive $4,340
State Farm $3,994
Travelers $6,593
USAA $3,284

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Cheapest Smithland, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Smithland, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,417 $5,417
GEICO $4,191 $4,270
Liberty Mutual $4,957 $4,957
Nationwide $3,845 $3,845
Progressive $4,592 $4,592
State Farm $3,901 $4,086
Travelers $5,096 $5,096
USAA $2,492 $2,688

The Best Cheap Car Insurance Companies in Smithland, KY

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

Average Annual Car Insurance Rates by Company in Smithland, Kentucky

Insurance Company Average Annual Rates
Allstate $5,417
GEICO $4,231
Liberty Mutual $4,957
Nationwide $3,845
Progressive $4,592
State Farm $3,994
Travelers $5,096
USAA $2,590

Category Winners: Cheapest Car Insurance in Smithland, Kentucky

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

Best Annual Car Insurance Rates by Company in Smithland, Kentucky

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 Smithland, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Smithland, Kentucky

Insurance Company Low Medium High
Allstate $5,094 $5,399 $5,758
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,755 $4,931 $5,185
Nationwide $3,908 $3,801 $3,826
Progressive $4,270 $4,544 $4,961
State Farm $3,806 $3,989 $4,186
Travelers $4,857 $5,122 $5,308
USAA $2,475 $2,584 $2,710

What affects car insurance rates in Smithland, Kentucky?

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

Commute Time in Smithland

The more time you spend in your car the higher the risk of an accident. The average commute length in Smithland, KY is 23.2 minutes according to City-Data.

Compare Car Insurance Quotes in Smithland, KY

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

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