Compare Smithville, TN Car Insurance Rates (2021)

Car insurance in Smithville, TN averages $308 a month. Smithville, Tennessee car insurance requirements are 25/50/15, 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, TN.

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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 State Farm
  • Average car insurance rates in Smithville, TN after a DUI are $4,338/year
  • Average car insurance rates in Smithville, TN are $3,700/year

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

You’ll find Smithville car insurance rates, the cheapest Smithville, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Smithville, Tennessee car insurance rates to Knoxville car insurance rates, Johnson City car insurance rates, and Murfreesboro car insurance rates.

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

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

How do age, gender, and marital status affect Smithville, TN car insurance rates? Every Smithville, Tennessee 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, Tennessee

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 $2,778 $2,676 $2,494 $2,590 $10,263 $11,196 $2,976 $3,083
Farmers $2,002 $2,033 $1,797 $1,951 $7,996 $8,459 $2,695 $2,890
GEICO $2,356 $2,378 $2,171 $2,171 $7,151 $7,280 $2,393 $2,469
Liberty Mutual $3,820 $129 $3,129 $3,495 $15,540 $17,267 $4,106 $4,387
Nationwide $2,076 $2,095 $1,860 $1,893 $5,610 $7,244 $2,381 $2,590
Progressive $1,861 $1,759 $1,511 $1,582 $8,321 $9,379 $2,246 $2,464
State Farm $1,547 $1,547 $1,389 $1,389 $4,675 $5,836 $1,747 $2,043
Travelers $1,813 $1,907 $1,652 $1,757 $5,136 $6,369 $1,931 $2,032
USAA $1,459 $1,484 $1,317 $1,316 $5,185 $5,947 $1,900 $2,026

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Minimum Car Insurance in Smithville, TN

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

Minimum Required Car Insurance Coverage in Smithville, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Smithville, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Smithville, TN. 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, Tennessee

Insurance Company Poor Fair Good
Allstate $6,064 $4,650 $3,556
Farmers $4,435 $3,468 $3,281
GEICO $4,024 $3,446 $3,169
Liberty Mutual $9,301 $5,696 $4,455
Nationwide $3,876 $3,066 $2,714
Progressive $4,099 $3,528 $3,295
State Farm $3,661 $2,197 $1,707
Travelers $3,591 $2,824 $2,059
USAA $3,741 $2,190 $1,806

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

Annual Smithville, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,001 $4,758 $5,710 $4,560
Farmers $3,180 $3,945 $4,028 $3,760
GEICO $2,575 $3,453 $5,581 $2,575
Liberty Mutual $5,259 $7,577 $7,052 $6,049
Nationwide $2,786 $2,786 $4,181 $3,123
Progressive $3,207 $4,160 $3,415 $3,781
State Farm $2,302 $2,741 $2,522 $2,522
Travelers $2,289 $2,943 $3,249 $2,818
USAA $1,878 $2,809 $3,305 $2,326

Cheapest Smithville, TN Car Insurance for Teen Drivers

Teen car insurance in Smithville, TN 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, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,263 $11,196
Farmers $7,996 $8,459
GEICO $7,151 $7,280
Liberty Mutual $15,540 $17,267
Nationwide $5,610 $7,244
Progressive $8,321 $9,379
State Farm $4,675 $5,836
Travelers $5,136 $6,369
USAA $5,185 $5,947

Cheapest Smithville, TN Car Insurance for Seniors

Take a look at Smithville, TN 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, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,494 $2,590
Farmers $1,797 $1,951
GEICO $2,171 $2,171
Liberty Mutual $3,129 $3,495
Nationwide $1,860 $1,893
Progressive $1,511 $1,582
State Farm $1,389 $1,389
Travelers $1,652 $1,757
USAA $1,317 $1,316

Cheapest Smithville, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Smithville, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,710
Farmers $4,028
GEICO $5,581
Liberty Mutual $7,052
Nationwide $4,181
Progressive $3,415
State Farm $2,522
Travelers $3,249
USAA $3,305

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Cheapest Smithville, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Smithville, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,757 $4,757
Farmers $3,728 $3,728
GEICO $3,525 $3,568
Liberty Mutual $6,484 $6,484
Nationwide $3,219 $3,219
Progressive $3,640 $3,640
State Farm $2,464 $2,579
Travelers $2,714 $2,936
USAA $2,507 $2,652

The Best Cheap Car Insurance Companies in Smithville, TN

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

Average Annual Car Insurance Rates by Company in Smithville, Tennessee

Insurance Company Average Annual Rates
Allstate $4,757
Farmers $3,728
GEICO $3,546
Liberty Mutual $6,484
Nationwide $3,219
Progressive $3,640
State Farm $2,522
Travelers $2,825
USAA $2,579

Category Winners: Cheapest Car Insurance in Smithville, Tennessee

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

Best Annual Car Insurance Rates by Company in Smithville, Tennessee

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

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

Annual Car Insurance Rates by Coverage Level in Smithville, Tennessee

Insurance Company Low Medium High
Allstate $4,595 $4,746 $4,930
Farmers $3,548 $3,713 $3,923
GEICO $3,385 $3,539 $3,715
Liberty Mutual $6,224 $6,484 $6,744
Nationwide $3,248 $3,149 $3,259
Progressive $3,436 $3,638 $3,847
State Farm $2,401 $2,531 $2,633
Travelers $2,658 $2,822 $2,994
USAA $2,501 $2,571 $2,666

What affects car insurance rates in Smithville, Tennessee?

What factors can have an impact on Smithville, TN 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, Tennessee.

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, TN is 25.4 minutes according to City-Data.

Compare Car Insurance Quotes in Smithville, TN

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

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

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