Compare Smithville, MO Car Insurance Rates (2021)

Car insurance in Smithville, MO averages $278 a month. Smithville, Missouri car insurance requirements are 25/50/25, 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, 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 Smithville for teen drivers is Nationwide
  • Average car insurance rates in Smithville, MO after a DUI are $3,898/year
  • Average car insurance rates in Smithville, MO are $3,335/year

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

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

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

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

How do age, gender, and marital status affect Smithville, MO car insurance rates? Every Smithville, 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 Smithville, 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 $2,787 $2,694 $2,514 $2,592 $7,830 $8,498 $2,662 $2,746
American Family $2,178 $2,178 $1,940 $1,940 $5,940 $7,727 $2,178 $2,548
Farmers $2,231 $2,225 $1,993 $2,111 $9,177 $9,499 $2,538 $2,650
GEICO $1,840 $2,071 $1,440 $1,873 $5,877 $6,186 $1,673 $1,664
Liberty Mutual $2,867 $3,106 $2,357 $2,647 $10,070 $11,185 $3,018 $3,215
Nationwide $1,535 $1,566 $1,374 $1,454 $3,954 $5,057 $1,758 $1,899
Progressive $2,085 $1,934 $1,712 $1,757 $6,944 $7,799 $2,545 $2,619
State Farm $1,678 $1,678 $1,508 $1,508 $4,885 $6,152 $1,888 $2,153
USAA $1,554 $1,543 $1,391 $1,422 $4,587 $5,609 $1,939 $2,160

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Minimum Car Insurance in Smithville, MO

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

Minimum Required Car Insurance Coverage in Smithville, 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 Smithville, MO Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Smithville, Missouri

Insurance Company Poor Fair Good
Allstate $5,571 $3,588 $2,962
American Family $4,349 $3,060 $2,577
Farmers $4,629 $3,859 $3,671
GEICO $3,905 $2,544 $2,035
Liberty Mutual $6,891 $4,216 $3,318
Nationwide $2,739 $2,266 $1,968
Progressive $3,952 $3,286 $3,035
State Farm $3,692 $2,393 $1,958
USAA $4,216 $1,958 $1,402

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

Annual Smithville, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,459 $3,906 $4,875 $3,922
American Family $2,500 $3,591 $4,375 $2,849
Farmers $3,516 $4,357 $4,262 $4,077
GEICO $2,174 $2,862 $3,909 $2,368
Liberty Mutual $3,489 $5,019 $5,167 $5,558
Nationwide $1,820 $2,344 $3,139 $1,995
Progressive $2,960 $3,980 $3,286 $3,472
State Farm $2,461 $2,901 $2,681 $2,681
USAA $2,036 $2,458 $3,392 $2,217

Cheapest Smithville, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Smithville, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,830 $8,498
American Family $5,940 $7,727
Farmers $9,177 $9,499
GEICO $5,877 $6,186
Liberty Mutual $10,070 $11,185
Nationwide $3,954 $5,057
Progressive $6,944 $7,799
State Farm $4,885 $6,152
USAA $4,587 $5,609

Cheapest Smithville, MO Car Insurance for Seniors

Take a look at Smithville, 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 Smithville, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,514 $2,592
American Family $1,940 $1,940
Farmers $1,993 $2,111
GEICO $1,440 $1,873
Liberty Mutual $2,357 $2,647
Nationwide $1,374 $1,454
Progressive $1,712 $1,757
State Farm $1,508 $1,508
USAA $1,391 $1,422

Cheapest Smithville, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Smithville, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,875
American Family $4,375
Farmers $4,262
GEICO $3,909
Liberty Mutual $5,167
Nationwide $3,139
Progressive $3,286
State Farm $2,681
USAA $3,392

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Cheapest Smithville, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Smithville, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,040 $4,040
American Family $3,296 $3,362
Farmers $4,053 $4,053
GEICO $2,776 $2,880
Liberty Mutual $4,808 $4,808
Nationwide $2,325 $2,325
Progressive $3,424 $3,424
State Farm $2,615 $2,747
USAA $2,433 $2,618

The Best Cheap Car Insurance Companies in Smithville, MO

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

Average Annual Car Insurance Rates by Company in Smithville, Missouri

Insurance Company Average Annual Rates
Allstate $4,040
American Family $3,329
Farmers $4,053
GEICO $2,828
Liberty Mutual $4,808
Nationwide $2,325
Progressive $3,424
State Farm $2,681
USAA $2,526

Category Winners: Cheapest Car Insurance in Smithville, Missouri

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

Best Annual Car Insurance Rates by Company in Smithville, Missouri

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

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Cheapest Smithville, MO 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, MO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Smithville, Missouri

Insurance Company Low Medium High
Allstate $3,900 $4,032 $4,189
American Family $3,230 $3,434 $3,323
Farmers $3,790 $4,013 $4,356
GEICO $2,617 $2,854 $3,013
Liberty Mutual $4,532 $4,834 $5,058
Nationwide $2,184 $2,347 $2,443
Progressive $3,094 $3,434 $3,745
State Farm $2,502 $2,690 $2,851
USAA $2,420 $2,517 $2,640

What affects car insurance rates in Smithville, Missouri?

What factors can have an impact on Smithville, MO 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, Missouri.

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, MO is 28.6 minutes according to City-Data.

Compare Car Insurance Quotes in Smithville, MO

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

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