Compare Smithville, TX Car Insurance Rates (2021)

Car insurance in Smithville, TX averages $325 a month. Smithville, Texas car insurance requirements are 30/60/25, 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, TX.

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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

  • Average car insurance rates in Smithville, TX after a DUI are $4,442/year
  • The cheapest car insurance company in Smithville for teen drivers is USAA
  • Average car insurance rates in Smithville, TX are $3,901/year

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

You’ll find Smithville car insurance rates, the cheapest Smithville, TX car insurance companies, and information on Texas car insurance laws. You can also compare Smithville, Texas car insurance rates to Arlington car insurance rates, El Paso car insurance rates, and Corpus Christi car insurance rates.

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

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

How do age, gender, and marital status affect Smithville, TX car insurance rates? Every Smithville, Texas 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, Texas

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 $3,362 $3,395 $3,322 $3,322 $8,766 $10,589 $4,153 $4,330
American Family $2,636 $2,942 $2,483 $2,851 $7,118 $9,286 $3,811 $4,340
GEICO $2,397 $2,598 $2,328 $2,654 $5,300 $5,516 $2,596 $2,588
Nationwide $2,826 $2,877 $2,491 $2,642 $8,062 $10,372 $3,325 $3,602
Progressive $2,479 $2,371 $2,202 $2,246 $10,363 $11,571 $2,956 $3,019
State Farm $2,091 $2,091 $1,856 $1,856 $4,944 $6,290 $2,269 $2,342
USAA $1,504 $1,520 $1,432 $1,431 $4,107 $4,494 $2,001 $2,161

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Minimum Car Insurance in Smithville, TX

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

Minimum Required Car Insurance Coverage in Smithville, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Smithville, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Smithville, TX. 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, Texas

Insurance Company Poor Fair Good
Allstate $6,567 $4,797 $4,101
American Family $6,064 $3,868 $3,368
GEICO $5,011 $2,837 $1,893
Nationwide $5,445 $4,354 $3,775
Progressive $5,239 $4,524 $4,191
State Farm $4,206 $2,614 $2,081
USAA $3,437 $1,973 $1,584

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

Annual Smithville, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,022 $6,163 $6,412 $4,022
American Family $4,029 $5,162 $4,514 $4,029
GEICO $2,757 $3,658 $3,030 $3,543
Nationwide $3,918 $3,918 $5,831 $4,432
Progressive $4,056 $5,236 $4,738 $4,574
State Farm $2,644 $3,023 $3,559 $2,644
USAA $1,747 $2,562 $3,012 $2,004

Cheapest Smithville, TX Car Insurance for Teen Drivers

Teen car insurance in Smithville, TX 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, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,766 $10,589
American Family $7,118 $9,286
GEICO $5,300 $5,516
Nationwide $8,062 $10,372
Progressive $10,363 $11,571
State Farm $4,944 $6,290
USAA $4,107 $4,494

Cheapest Smithville, TX Car Insurance for Seniors

Take a look at Smithville, TX 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, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,322 $3,322
American Family $2,483 $2,851
GEICO $2,328 $2,654
Nationwide $2,491 $2,642
Progressive $2,202 $2,246
State Farm $1,856 $1,856
USAA $1,432 $1,431

Cheapest Smithville, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Smithville, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,412
American Family $4,514
GEICO $3,030
Nationwide $5,831
Progressive $4,738
State Farm $3,559
USAA $3,012

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Cheapest Smithville, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Smithville, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,033 $5,276
American Family $4,433 $4,433
GEICO $3,188 $3,306
Nationwide $4,525 $4,525
Progressive $4,651 $4,651
State Farm $2,967 $2,967
USAA $2,302 $2,361

The Best Cheap Car Insurance Companies in Smithville, TX

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

Average Annual Car Insurance Rates by Company in Smithville, Texas

Insurance Company Average Annual Rates
Allstate $5,155
American Family $4,433
GEICO $3,247
Nationwide $4,525
Progressive $4,651
State Farm $2,967
USAA $2,331

Category Winners: Cheapest Car Insurance in Smithville, Texas

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

Best Annual Car Insurance Rates by Company in Smithville, Texas

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 Smithville, TX 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, TX car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Smithville, Texas

Insurance Company Low Medium High
Allstate $5,024 $5,106 $5,334
American Family $4,138 $4,276 $4,887
GEICO $3,070 $3,204 $3,468
Nationwide $4,884 $4,329 $4,361
Progressive $4,468 $4,633 $4,852
State Farm $2,822 $2,959 $3,121
USAA $2,257 $2,323 $2,414

What affects car insurance rates in Smithville, Texas?

What factors can have an impact on Smithville, TX 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, Texas.

Car Theft in Smithville

High levels of vehicle theft can make car insurance more expensive. Smithville, TX car theft statistics from the FBI indicate 6 vehicle thefts a year.

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, TX is 26.8 minutes according to City-Data.

Compare Car Insurance Quotes in Smithville, TX

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

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