Best Cheap Auto Insurance in Smithers, WV (2021)

The average Smithers, WV auto insurance rates are $332 per month. The minimum auto insurance in Smithers is at least 25/50/25 in coverage to comply with West Virginia auto insurance laws. To find the best cheap auto insurance in Smithers, West Virginia, 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 18, 2021

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Things to Remember

  • The average commute length in Smithers is 23.4 minutes
  • Average auto insurance rates in Smithers, WV for senior drivers are $2,228 per year
  • The cheapest auto insurance company in Smithers is State Farm

Smithers, West Virginia auto insurance requirements are 25/50/25 according to West Virginia auto insurance laws. Finding cheap auto insurance in Smithers 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 Smithers, West Virginia, including driving record, credit, commute time, and more.

Compare auto insurance in Smithers to other West Virginia cities, including Charleston auto insurance rates, Morgan auto insurance rates, and Fairmont auto insurance rates to see how Smithers, West Virginia auto insurance rates stack up.

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

Minimum Auto Insurance in Smithers, West Virginia

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

Minimum Required Auto Insurance Coverage in Smithers, West Virginia

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 Smithers, West Virginia Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Smithers, West Virginia 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 Smithers, West Virginia

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 $2,782 $2,578 $2,498 $2,503 $10,059 $10,474 $3,055 $3,051
GEICO $2,912 $2,870 $2,766 $2,681 $7,282 $8,784 $2,799 $2,917
Liberty Mutual $3,756 $4,084 $3,016 $3,667 $13,850 $15,628 $3,899 $4,306
Nationwide $1,910 $1,936 $1,744 $1,821 $4,982 $6,271 $2,159 $2,303
Progressive $2,335 $2,248 $2,152 $2,148 $10,223 $11,542 $2,814 $2,908
State Farm $1,675 $1,675 $1,511 $1,511 $3,778 $4,876 $1,985 $1,564
USAA $1,697 $1,671 $1,580 $1,589 $5,665 $6,259 $2,191 $2,350

Cheap Smithers, West Virginia Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Smithers, West Virginia is a challenge. Take a look at the annual teen auto insurance rates in Smithers, West Virginia.

Annual Auto Insurance Rates for Teen Drivers in Smithers, West Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,059 $10,474
GEICO $7,282 $8,784
Liberty Mutual $13,850 $15,628
Nationwide $4,982 $6,271
Progressive $10,223 $11,542
State Farm $3,778 $4,876
USAA $5,665 $6,259

Cheap Smithers, West Virginia Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Smithers, West Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,498 $2,503
GEICO $2,766 $2,681
Liberty Mutual $3,016 $3,667
Nationwide $1,744 $1,821
Progressive $2,152 $2,148
State Farm $1,511 $1,511
USAA $1,580 $1,589

Cheap Smithers, West Virginia 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 Smithers, West Virginia compared to the annual auto insurance rates with a clean record in Smithers, West Virginia.

Annual Smithers, West Virginia Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,901 $4,625 $5,538 $4,436
GEICO $2,558 $4,109 $7,093 $2,746
Liberty Mutual $5,357 $6,736 $7,480 $6,531
Nationwide $2,323 $3,087 $3,578 $2,575
Progressive $3,854 $5,178 $4,617 $4,536
State Farm $2,128 $2,516 $2,322 $2,322
USAA $2,258 $2,675 $3,813 $2,755

Cheap Smithers, West Virginia Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Smithers, West Virginia

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,538
GEICO $7,093
Liberty Mutual $7,480
Nationwide $3,578
Progressive $4,617
State Farm $2,322
USAA $3,813

Cheap Smithers, West Virginia Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Smithers, West Virginia

Insurance Company Poor Fair Good
Allstate $5,616 $4,457 $3,803
GEICO $4,974 $4,048 $3,358
Liberty Mutual $9,363 $5,718 $4,497
Nationwide $3,292 $2,779 $2,601
Progressive $5,093 $4,431 $4,115
State Farm $3,338 $2,032 $1,595
USAA $4,232 $2,440 $1,954

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Cheap Smithers, West Virginia Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Smithers, West Virginia

ZIP Code Average Annual Rates
25186 $3,972

Cheap Smithers, West Virginia Auto Insurance Rates By Commute

Commute length and annual mileage affect Smithers, West Virginia auto insurance. Find the cheapest annual Smithers, West Virginia auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Smithers, West Virginia

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,625 $4,625
GEICO $4,081 $4,172
Liberty Mutual $6,526 $6,526
Nationwide $2,891 $2,891
Progressive $4,546 $4,546
State Farm $2,261 $2,383
USAA $2,842 $2,909

Cheap Smithers, West Virginia Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Smithers, West Virginia

Insurance Company Low Medium High
Allstate $4,440 $4,616 $4,819
GEICO $3,872 $4,139 $4,369
Liberty Mutual $6,216 $6,510 $6,851
Nationwide $2,814 $2,879 $2,979
Progressive $4,354 $4,495 $4,790
State Farm $2,186 $2,316 $2,465
USAA $2,770 $2,870 $2,986

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Best By Category: Cheapest Auto Insurance in Smithers, West Virginia

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

Best Annual Auto Insurance Rates by Company in Smithers, West Virginia

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

The Cheapest Smithers, West Virginia Auto Insurance Companies

What auto insurance companies in Smithers, West Virginia are the cheapest? Compare the top Smithers, West Virginia auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Smithers, West Virginia

Insurance Company Average Annual Rates
Allstate $4,625
GEICO $4,126
Liberty Mutual $6,526
Nationwide $2,891
Progressive $4,546
State Farm $2,322
USAA $2,875

What affects auto insurance rates in Smithers, West Virginia?

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

Smithers Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Smithers, West Virginia commute length is 23.4 minutes according to City-Data.

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Compare Smithers, West Virginia Auto Insurance Quotes

Before you buy Smithers, West Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Smithers, West Virginia 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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