Best Cheap Auto Insurance in Smithville, TX (2021)

The average Smithville, TX auto insurance rates are $325 per month. The minimum auto insurance in Smithville is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Smithville, 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

  • The cheapest auto insurance company in Smithville is USAA
  • Average auto insurance rates in Smithville, TX for senior drivers are $2,366 per year
  • The most expensive auto insurance company in Smithville for teen drivers is Progressive

Smithville, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Smithville 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 Smithville, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Smithville to other Texas cities, including Corpus Christi auto insurance rates, Fort Worth auto insurance rates, and Laredo auto insurance rates to see how Smithville, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Smithville, Texas

Smithville, 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 Smithville, Texas.

Minimum Required Auto 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

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

Auto insurance rates in Smithville, 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 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

Cheap Smithville, Texas Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Smithville, Texas Auto Insurance for Seniors

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

Annual Auto 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

Cheap Smithville, 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 Smithville, Texas compared to the annual auto insurance rates with a clean record in Smithville, Texas.

Annual Smithville, Texas Auto 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

Cheap Smithville, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Smithville, Texas

Insurance Company Annual Auto 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

Cheap Smithville, Texas Auto Insurance By Credit History

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

Annual Auto 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

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Cheap Smithville, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Smithville, Texas

ZIP Code Average Annual Rates
78957 $5,802

Cheap Smithville, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Smithville, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Smithville, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Smithville, Texas

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

Best Annual Auto 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

The Cheapest Smithville, Texas Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Smithville, Texas?

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

Smithville Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Smithville, Texas auto theft statistics, there have been 6 auto thefts in the city.

Smithville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Smithville, Texas commute length is 26.8 minutes according to City-Data.

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Compare Smithville, Texas Auto Insurance Quotes

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