Best Cheap Auto Insurance in Smiley, TX (2021)

The average Smiley, TX auto insurance rates are $321 per month. The minimum auto insurance in Smiley is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Smiley, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Smiley, TX for senior drivers are $2,312 per year
  • The minimum auto insurance required in Smiley, Texas is 30/60/25
  • The most expensive auto insurance company in Smiley for teen drivers is Progressive

Smiley, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Smiley can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Smiley, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Smiley to other Texas cities, including Plano auto insurance rates, Fort Worth auto insurance rates, and El Paso auto insurance rates to see how Smiley, Texas auto insurance rates stack up.

Before you buy Smiley, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Smiley, Texas auto insurance quotes.

Minimum Auto Insurance in Smiley, Texas

Smiley, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Smiley, Texas.

Minimum Required Auto Insurance Coverage in Smiley, 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

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Cheap Smiley, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Smiley, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Smiley, 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 $3,292 $3,327 $3,249 $3,249 $8,711 $10,542 $4,087 $4,272
American Family $2,643 $2,931 $2,433 $2,777 $6,731 $8,817 $3,744 $4,260
GEICO $2,320 $2,501 $2,240 $2,531 $5,019 $5,241 $2,506 $2,507
Nationwide $2,386 $2,428 $2,108 $2,232 $6,800 $8,727 $2,806 $3,035
Progressive $2,910 $2,746 $2,595 $2,640 $12,531 $13,981 $3,443 $3,470
State Farm $1,963 $1,963 $1,740 $1,740 $4,600 $5,846 $2,127 $2,196
USAA $1,491 $1,502 $1,422 $1,414 $4,161 $4,540 $1,987 $2,136

Cheap Smiley, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Smiley, Texas is a challenge. Take a look at the annual teen auto insurance rates in Smiley, Texas.

Annual Auto Insurance Rates for Teen Drivers in Smiley, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,711 $10,542
American Family $6,731 $8,817
GEICO $5,019 $5,241
Nationwide $6,800 $8,727
Progressive $12,531 $13,981
State Farm $4,600 $5,846
USAA $4,161 $4,540

Cheap Smiley, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Smiley, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Smiley, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,249 $3,249
American Family $2,433 $2,777
GEICO $2,240 $2,531
Nationwide $2,108 $2,232
Progressive $2,595 $2,640
State Farm $1,740 $1,740
USAA $1,422 $1,414

Cheap Smiley, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Smiley, Texas compared to the annual auto insurance rates with a clean record in Smiley, Texas.

Annual Smiley, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,964 $6,082 $6,355 $3,964
American Family $3,922 $4,964 $4,361 $3,922
GEICO $2,641 $3,479 $2,914 $3,398
Nationwide $3,310 $3,310 $4,902 $3,738
Progressive $4,818 $6,279 $5,635 $5,426
State Farm $2,474 $2,823 $3,317 $2,474
USAA $1,742 $2,563 $3,023 $1,998

Cheap Smiley, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Smiley, Texas is not easy. Compare the annual rates for DUI auto insurance in Smiley, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Smiley, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,355
American Family $4,361
GEICO $2,914
Nationwide $4,902
Progressive $5,635
State Farm $3,317
USAA $3,023

Cheap Smiley, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Smiley, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Smiley, Texas

Insurance Company Poor Fair Good
Allstate $6,465 $4,746 $4,063
American Family $5,927 $3,710 $3,239
GEICO $4,791 $2,717 $1,816
Nationwide $4,579 $3,675 $3,190
Progressive $6,224 $5,393 $5,002
State Farm $3,929 $2,443 $1,945
USAA $3,430 $1,976 $1,589

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Cheap Smiley, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Smiley, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Smiley, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Smiley, Texas

ZIP Code Average Annual Rates
78159 $5,839

Cheap Smiley, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Smiley, Texas auto insurance. Find the cheapest annual Smiley, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Smiley, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,971 $5,211
American Family $4,292 $4,292
GEICO $3,049 $3,167
Nationwide $3,815 $3,815
Progressive $5,540 $5,540
State Farm $2,772 $2,772
USAA $2,302 $2,361

Cheap Smiley, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Smiley, Texas? Check out the comparison of annual Smiley, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Smiley, Texas

Insurance Company Low Medium High
Allstate $4,998 $5,056 $5,220
American Family $4,004 $4,139 $4,733
GEICO $2,946 $3,066 $3,312
Nationwide $4,120 $3,650 $3,676
Progressive $5,218 $5,511 $5,890
State Farm $2,636 $2,763 $2,917
USAA $2,257 $2,323 $2,415

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Best By Category: Cheapest Auto Insurance in Smiley, Texas

Compare the cheapest auto insurance companies in Smiley, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Smiley, Texas

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

The Cheapest Smiley, Texas Auto Insurance Companies

What auto insurance companies in Smiley, Texas are the cheapest? Compare the top Smiley, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Smiley, Texas

Insurance Company Average Annual Rates
Allstate $5,091
American Family $4,292
GEICO $3,108
Nationwide $3,815
Progressive $5,540
State Farm $2,772
USAA $2,332

What affects auto insurance rates in Smiley, Texas?

There are a lot of reasons why auto insurance rates in Smiley, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Smiley, Texas. Many local factors may affect your Smiley auto insurance rates.

Smiley Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Smiley, Texas commute length is 31.3 minutes according to City-Data.

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Compare Smiley, Texas Auto Insurance Quotes

Before you buy Smiley, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Smiley, Texas auto insurance quotes.

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