Best Cheap Auto Insurance in Smith Mills, KY (2021)

The average Smith Mills, KY auto insurance rates are $337 per month. The minimum auto insurance in Smith Mills is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Smith Mills, Kentucky, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 Smith Mills, KY for senior drivers are $2,285 per year
  • The minimum auto insurance required in Smith Mills, Kentucky is 25/50/25
  • The most expensive auto insurance company in Smith Mills for teen drivers is Travelers

Smith Mills, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Smith Mills 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 Smith Mills, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Smith Mills to other Kentucky cities, including Hopkinsville auto insurance rates, Bowling Green auto insurance rates, and Nicholasville auto insurance rates to see how Smith Mills, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Smith Mills, Kentucky

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

Minimum Required Auto Insurance Coverage in Smith Mills, Kentucky

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

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Cheap Smith Mills, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Smith Mills, Kentucky 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 Smith Mills, Kentucky

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 $3,197 $3,188 $2,859 $3,054 $11,262 $12,650 $3,607 $3,841
GEICO $3,469 $3,214 $3,608 $3,267 $6,831 $8,150 $2,841 $2,465
Liberty Mutual $2,562 $2,776 $2,195 $2,447 $10,232 $11,292 $2,675 $2,774
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $1,844 $1,748 $1,663 $1,669 $9,100 $10,267 $2,280 $2,319
State Farm $1,952 $1,952 $1,730 $1,730 $5,374 $6,722 $2,178 $2,394
Travelers $2,075 $2,113 $2,031 $2,036 $9,711 $15,511 $2,166 $2,513
USAA $1,710 $1,719 $1,543 $1,577 $4,464 $4,716 $2,162 $2,374

Cheap Smith Mills, Kentucky Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Smith Mills, Kentucky is a challenge. Take a look at the annual teen auto insurance rates in Smith Mills, Kentucky.

Annual Auto Insurance Rates for Teen Drivers in Smith Mills, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,262 $12,650
GEICO $6,831 $8,150
Liberty Mutual $10,232 $11,292
Nationwide $6,037 $7,550
Progressive $9,100 $10,267
State Farm $5,374 $6,722
Travelers $9,711 $15,511
USAA $4,464 $4,716

Cheap Smith Mills, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Smith Mills, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,859 $3,054
GEICO $3,608 $3,267
Liberty Mutual $2,195 $2,447
Nationwide $2,519 $2,640
Progressive $1,663 $1,669
State Farm $1,730 $1,730
Travelers $2,031 $2,036
USAA $1,543 $1,577

Cheap Smith Mills, Kentucky 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 Smith Mills, Kentucky compared to the annual auto insurance rates with a clean record in Smith Mills, Kentucky.

Annual Smith Mills, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,579 $5,899 $6,233 $5,119
GEICO $2,508 $4,482 $6,862 $3,070
Liberty Mutual $3,858 $5,914 $4,606 $4,098
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,195 $4,734 $3,641 $3,874
State Farm $2,760 $3,248 $3,004 $3,004
Travelers $4,163 $4,283 $6,168 $4,464
USAA $1,913 $2,703 $3,215 $2,301

Cheap Smith Mills, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Smith Mills, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,233
GEICO $6,862
Liberty Mutual $4,606
Nationwide $4,997
Progressive $3,641
State Farm $3,004
Travelers $6,168
USAA $3,215

Cheap Smith Mills, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Smith Mills, Kentucky

Insurance Company Poor Fair Good
Allstate $7,221 $4,981 $4,171
GEICO $6,955 $3,473 $2,264
Liberty Mutual $6,596 $4,055 $3,206
Nationwide $4,672 $3,666 $3,197
Progressive $4,296 $3,767 $3,520
State Farm $4,351 $2,620 $2,041
Travelers $5,322 $4,503 $4,484
USAA $3,766 $2,111 $1,722

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Cheap Smith Mills, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Smith Mills, Kentucky

ZIP Code Average Annual Rates
42457 $3,594

Cheap Smith Mills, Kentucky Auto Insurance Rates By Commute

Commute length and annual mileage affect Smith Mills, Kentucky auto insurance. Find the cheapest annual Smith Mills, Kentucky auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Smith Mills, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,457 $5,457
GEICO $4,191 $4,270
Liberty Mutual $4,619 $4,619
Nationwide $3,845 $3,845
Progressive $3,861 $3,861
State Farm $2,926 $3,082
Travelers $4,769 $4,769
USAA $2,438 $2,628

Cheap Smith Mills, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Smith Mills, Kentucky

Insurance Company Low Medium High
Allstate $5,136 $5,439 $5,797
GEICO $3,993 $4,208 $4,492
Liberty Mutual $4,412 $4,591 $4,855
Nationwide $3,908 $3,801 $3,826
Progressive $3,552 $3,820 $4,212
State Farm $2,849 $3,003 $3,160
Travelers $4,545 $4,794 $4,969
USAA $2,416 $2,527 $2,656

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Best By Category: Cheapest Auto Insurance in Smith Mills, Kentucky

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

Best Annual Auto Insurance Rates by Company in Smith Mills, Kentucky

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

The Cheapest Smith Mills, Kentucky Auto Insurance Companies

What auto insurance companies in Smith Mills, Kentucky are the cheapest? Compare the top Smith Mills, Kentucky auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Smith Mills, Kentucky

Insurance Company Average Annual Rates
Allstate $5,457
GEICO $4,231
Liberty Mutual $4,619
Nationwide $3,845
Progressive $3,861
State Farm $3,004
Travelers $4,769
USAA $2,533

Compare Smith Mills, Kentucky Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

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