Best Cheap Auto Insurance in Smiths Grove, KY (2021)

The average Smiths Grove, KY auto insurance rates are $330 per month. The minimum auto insurance in Smiths Grove is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Smiths Grove, Kentucky, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The minimum auto insurance required in Smiths Grove, Kentucky is 25/50/25
  • The average commute length in Smiths Grove is 21.6 minutes
  • Average auto insurance rates in Smiths Grove, KY for senior drivers are $2,220 per year

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

Compare auto insurance in Smiths Grove to other Kentucky cities, including Independence auto insurance rates, Covington auto insurance rates, and George auto insurance rates to see how Smiths Grove, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Smiths Grove, Kentucky

Smiths Grove, 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 Smiths Grove, Kentucky.

Minimum Required Auto Insurance Coverage in Smiths Grove, 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Smiths Grove, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Smiths Grove, 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 Smiths Grove, 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 $3,059 $3,024 $2,772 $2,952 $11,304 $12,741 $3,376 $3,562
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,322 $2,512 $2,003 $2,228 $9,300 $10,244 $2,412 $2,481
Nationwide $2,859 $2,851 $2,591 $2,696 $6,391 $7,916 $3,240 $3,385
Progressive $2,007 $1,903 $1,808 $1,812 $9,928 $11,242 $2,487 $2,539
State Farm $1,524 $1,524 $1,358 $1,358 $4,434 $5,640 $1,700 $1,884
Travelers $2,010 $2,047 $1,966 $1,974 $9,467 $15,226 $2,095 $2,421
USAA $1,817 $1,817 $1,642 $1,666 $4,879 $5,132 $2,290 $2,504

Cheap Smiths Grove, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Smiths Grove, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,304 $12,741
GEICO $6,851 $8,131
Liberty Mutual $9,300 $10,244
Nationwide $6,391 $7,916
Progressive $9,928 $11,242
State Farm $4,434 $5,640
Travelers $9,467 $15,226
USAA $4,879 $5,132

Cheap Smiths Grove, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Smiths Grove, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,772 $2,952
GEICO $3,510 $3,179
Liberty Mutual $2,003 $2,228
Nationwide $2,591 $2,696
Progressive $1,808 $1,812
State Farm $1,358 $1,358
Travelers $1,966 $1,974
USAA $1,642 $1,666

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

Annual Smiths Grove, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,438 $5,782 $6,170 $5,005
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $3,497 $5,361 $4,176 $3,717
Nationwide $3,188 $4,103 $5,170 $3,503
Progressive $3,486 $5,170 $3,974 $4,233
State Farm $2,226 $2,629 $2,428 $2,428
Travelers $4,064 $4,180 $6,008 $4,350
USAA $2,049 $2,895 $3,463 $2,467

Cheap Smiths Grove, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Smiths Grove, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,170
GEICO $6,731
Liberty Mutual $4,176
Nationwide $5,170
Progressive $3,974
State Farm $2,428
Travelers $6,008
USAA $3,463

Cheap Smiths Grove, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Smiths Grove, Kentucky

Insurance Company Poor Fair Good
Allstate $7,072 $4,895 $4,080
GEICO $6,836 $3,413 $2,224
Liberty Mutual $5,967 $3,683 $2,913
Nationwide $4,839 $3,817 $3,317
Progressive $4,697 $4,112 $3,838
State Farm $3,510 $2,119 $1,654
Travelers $5,184 $4,392 $4,375
USAA $4,037 $2,268 $1,850

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Smiths Grove, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Smiths Grove, Kentucky

ZIP Code Average Annual Rates
42171 $3,550

Cheap Smiths Grove, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Smiths Grove, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,349 $5,349
GEICO $4,119 $4,197
Liberty Mutual $4,188 $4,188
Nationwide $3,991 $3,991
Progressive $4,216 $4,216
State Farm $2,366 $2,489
Travelers $4,651 $4,651
USAA $2,618 $2,819

Cheap Smiths Grove, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Smiths Grove, Kentucky

Insurance Company Low Medium High
Allstate $5,006 $5,329 $5,711
GEICO $3,895 $4,144 $4,435
Liberty Mutual $3,983 $4,159 $4,421
Nationwide $4,029 $3,950 $3,995
Progressive $3,879 $4,160 $4,608
State Farm $2,272 $2,426 $2,584
Travelers $4,404 $4,671 $4,876
USAA $2,592 $2,712 $2,851

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Smiths Grove, Kentucky

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

Best Annual Auto Insurance Rates by Company in Smiths Grove, Kentucky

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

The Cheapest Smiths Grove, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Smiths Grove, Kentucky

Insurance Company Average Annual Rates
Allstate $5,349
GEICO $4,158
Liberty Mutual $4,188
Nationwide $3,991
Progressive $4,216
State Farm $2,428
Travelers $4,651
USAA $2,718

What affects auto insurance rates in Smiths Grove, Kentucky?

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

Smiths Grove Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Smiths Grove, Kentucky commute length is 21.6 minutes according to City-Data.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Smiths Grove, Kentucky Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption