Compare Smithton, MO Car Insurance Rates (2021)

Car insurance in Smithton, MO averages $253 a month. Smithton, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Smithton car insurance rates, compare quotes from the top car insurance companies in Smithton, MO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Smithton is Nationwide
  • Average car insurance rates in Smithton, MO after a DUI are $3,550/year
  • The cheapest car insurance company in Smithton for teen drivers is Nationwide

If you need to buy Smithton, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in Smithton, MO is right here.

You’ll find Smithton car insurance rates, the cheapest Smithton, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Smithton, Missouri car insurance rates to Lee’s Summit car insurance rates, St. Joseph car insurance rates, and Springfield car insurance rates.

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

Cheapest Smithton, MO Car Insurance Rates By Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Smithton, Missouri

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 $2,766 $2,681 $2,482 $2,562 $7,583 $8,206 $2,661 $2,753
American Family $1,974 $1,974 $1,759 $1,759 $5,380 $6,991 $1,974 $2,311
Farmers $2,003 $1,993 $1,786 $1,898 $8,393 $8,672 $2,283 $2,377
GEICO $1,695 $1,905 $1,323 $1,705 $5,363 $5,668 $1,541 $1,542
Liberty Mutual $2,495 $2,704 $2,056 $2,306 $8,573 $9,521 $2,628 $2,802
Nationwide $1,338 $1,365 $1,200 $1,270 $3,355 $4,290 $1,524 $1,646
Progressive $1,935 $1,813 $1,582 $1,628 $6,102 $6,868 $2,364 $2,420
State Farm $1,556 $1,556 $1,395 $1,395 $4,526 $5,708 $1,752 $1,997
USAA $1,462 $1,450 $1,315 $1,339 $4,335 $5,295 $1,820 $2,023

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Minimum Car Insurance in Smithton, MO

Every driver must carry the minimum car insurance in Smithton, MO. Take a look at the Missouri car insurance requirements.

Minimum Required Car Insurance Coverage in Smithton, Missouri

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 Smithton, MO Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Smithton, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $3,935 $2,773 $2,337
Farmers $4,195 $3,502 $3,330
GEICO $3,577 $2,333 $1,868
Liberty Mutual $5,929 $3,623 $2,855
Nationwide $2,354 $1,947 $1,695
Progressive $3,584 $2,958 $2,725
State Farm $3,419 $2,220 $1,818
USAA $3,973 $1,845 $1,321

Cheapest Smithton, MO 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 Smithton, MO to rates for a clean record with top companies.

Annual Smithton, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,406 $3,835 $4,758 $3,848
American Family $2,254 $3,272 $3,963 $2,573
Farmers $3,172 $3,960 $3,871 $3,699
GEICO $2,001 $2,624 $3,567 $2,178
Liberty Mutual $3,009 $4,312 $4,445 $4,777
Nationwide $1,579 $2,015 $2,676 $1,724
Progressive $2,697 $3,556 $2,972 $3,132
State Farm $2,282 $2,689 $2,486 $2,486
USAA $1,910 $2,314 $3,209 $2,086

Cheapest Smithton, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Smithton, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,380 $6,991
Farmers $8,393 $8,672
GEICO $5,363 $5,668
Liberty Mutual $8,573 $9,521
Nationwide $3,355 $4,290
Progressive $6,102 $6,868
State Farm $4,526 $5,708
USAA $4,335 $5,295

Cheapest Smithton, MO Car Insurance for Seniors

Take a look at Smithton, MO 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 Smithton, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,759 $1,759
Farmers $1,786 $1,898
GEICO $1,323 $1,705
Liberty Mutual $2,056 $2,306
Nationwide $1,200 $1,270
Progressive $1,582 $1,628
State Farm $1,395 $1,395
USAA $1,315 $1,339

Cheapest Smithton, MO Car Insurance Rates After a DUI

A DUI in Smithton, MO increases car insurance rates. Compare Smithton, Missouri DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Smithton, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $3,963
Farmers $3,871
GEICO $3,567
Liberty Mutual $4,445
Nationwide $2,676
Progressive $2,972
State Farm $2,486
USAA $3,209

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Cheapest Smithton, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Smithton, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,962 $3,962
American Family $2,985 $3,045
Farmers $3,676 $3,676
GEICO $2,546 $2,640
Liberty Mutual $4,136 $4,136
Nationwide $1,998 $1,998
Progressive $3,089 $3,089
State Farm $2,424 $2,547
USAA $2,295 $2,465

The Best Cheap Car Insurance Companies in Smithton, MO

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

Average Annual Car Insurance Rates by Company in Smithton, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $3,015
Farmers $3,676
GEICO $2,593
Liberty Mutual $4,136
Nationwide $1,998
Progressive $3,089
State Farm $2,486
USAA $2,380

Category Winners: Cheapest Car Insurance in Smithton, Missouri

Find the cheapest car insurance companies in Smithton, MO for each category right here.

Best Annual Car Insurance Rates by Company in Smithton, Missouri

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

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Cheapest Smithton, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Smithton, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $2,927 $3,111 $3,008
Farmers $3,429 $3,639 $3,959
GEICO $2,417 $2,613 $2,748
Liberty Mutual $3,901 $4,157 $4,349
Nationwide $1,869 $2,018 $2,109
Progressive $2,781 $3,095 $3,391
State Farm $2,322 $2,495 $2,639
USAA $2,286 $2,372 $2,481

What affects car insurance rates in Smithton, Missouri?

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

Commute Time in Smithton

The more time you spend in your car the higher the risk of an accident. The average commute length in Smithton, MO is 22.9 minutes according to City-Data.

Compare Car Insurance Quotes in Smithton, MO

Ready to find affordable Smithton, Missouri car insurance today? Enter your ZIP code for fast, free Smithton, MO car insurance quotes.

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