Buy Cheap Smithville, MO Auto Insurance (2022)

Smithville, MO auto insurance rates average $278 a month. Minimum auto insurance requirements in Smithville, Missouri are 25/50/25 to comply with Missouri laws. To buy cheap auto insurance in Smithville, MO, compare Smithville auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Smithville after a DUI is Liberty Mutual
  • Average auto insurance rates in Smithville, MO are $278/month
  • Average auto insurance rates in Smithville, MO for teens drivers are $6,585/year

Finding affordable Smithville, Missouri auto insurance can be challenging, but everything you need to know to buy cheap Smithville, MO auto insurance with confidence is right here. Auto insurance rates in Smithville are affected by local factors as well as personal ones like your driving record.

See how Smithville, MO car insurance rates compare to St. Charles auto insurance rates, St. Louis auto insurance rates, and St. Joseph auto insurance rates before you read more about the cost of auto insurance in Smithville.

Don’t buy Smithville, MO auto insurance until you’ve compared rates. Get free Smithville, Missouri auto insurance quotes when you enter your ZIP code above.

Smithville, MO Minimum Auto Insurance Requirements

The required auto insurance in Smithville, MO is 25/50/25 according to the auto insurance laws in Missouri. The minimum auto insurance in Smithville, Missouri is outlined here.

Minimum Required Auto Insurance Coverage in Smithville, Missouri

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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Find Cheap Smithville, MO Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Smithville, MO. Take a look at Smithville, Missouri auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Smithville, Missouri

Insurance Company Poor Fair Good
Allstate $5,571 $3,588 $2,962
American Family $4,349 $3,060 $2,577
Farmers $4,629 $3,859 $3,671
GEICO $3,905 $2,544 $2,035
Liberty Mutual $6,891 $4,216 $3,318
Nationwide $2,739 $2,266 $1,968
Progressive $3,952 $3,286 $3,035
State Farm $3,692 $2,393 $1,958
USAA $4,216 $1,958 $1,402

Buy Cheap Smithville, MO Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Smithville, Missouri auto insurance rates? Find out how car insurance rates in Smithville, MO are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Smithville, Missouri

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 $2,787 $2,694 $2,514 $2,592 $7,830 $8,498 $2,662 $2,746
American Family $2,178 $2,178 $1,940 $1,940 $5,940 $7,727 $2,178 $2,548
Farmers $2,231 $2,225 $1,993 $2,111 $9,177 $9,499 $2,538 $2,650
GEICO $1,840 $2,071 $1,440 $1,873 $5,877 $6,186 $1,673 $1,664
Liberty Mutual $2,867 $3,106 $2,357 $2,647 $10,070 $11,185 $3,018 $3,215
Nationwide $1,535 $1,566 $1,374 $1,454 $3,954 $5,057 $1,758 $1,899
Progressive $2,085 $1,934 $1,712 $1,757 $6,944 $7,799 $2,545 $2,619
State Farm $1,678 $1,678 $1,508 $1,508 $4,885 $6,152 $1,888 $2,153
USAA $1,554 $1,543 $1,391 $1,422 $4,587 $5,609 $1,939 $2,160

Buy Cheap Smithville, MO Auto Insurance for Teen Drivers

Auto insurance for teenagers in Smithville can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Smithville, MO are listed here.

Annual Auto Insurance Rates for Teen Drivers in Smithville, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,830 $8,498
American Family $5,940 $7,727
Farmers $9,177 $9,499
GEICO $5,877 $6,186
Liberty Mutual $10,070 $11,185
Nationwide $3,954 $5,057
Progressive $6,944 $7,799
State Farm $4,885 $6,152
USAA $4,587 $5,609

Buy Cheap Smithville, MO Auto Insurance for Seniors

You can save on senior auto insurance rates in Smithville, Missouri by comparing Smithville senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Smithville, MO here.

Annual Auto Insurance Rates for Senior Drivers in Smithville, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,514 $2,592
American Family $1,940 $1,940
Farmers $1,993 $2,111
GEICO $1,440 $1,873
Liberty Mutual $2,357 $2,647
Nationwide $1,374 $1,454
Progressive $1,712 $1,757
State Farm $1,508 $1,508
USAA $1,391 $1,422

Find Cheap Auto Insurance Rates in Smithville, MO by Coverage Level

The amount of coverage you choose is a big factor in the cost of Smithville, Missouri auto insurance. Compare Smithville, MO auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Smithville, Missouri

Insurance Company Low Medium High
Allstate $3,900 $4,032 $4,189
American Family $3,230 $3,434 $3,323
Farmers $3,790 $4,013 $4,356
GEICO $2,617 $2,854 $3,013
Liberty Mutual $4,532 $4,834 $5,058
Nationwide $2,184 $2,347 $2,443
Progressive $3,094 $3,434 $3,745
State Farm $2,502 $2,690 $2,851
USAA $2,420 $2,517 $2,640

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Find Cheap Smithville, MO Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Smithville. Compare auto insurance rates in Smithville, MO by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Smithville, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,040 $4,040
American Family $3,296 $3,362
Farmers $4,053 $4,053
GEICO $2,776 $2,880
Liberty Mutual $4,808 $4,808
Nationwide $2,325 $2,325
Progressive $3,424 $3,424
State Farm $2,615 $2,747
USAA $2,433 $2,618

Find Cheap Smithville, MO Auto Insurance Rates by Driving Record

Auto insurance rates in Smithville, Missouri are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Smithville, MO, take a look at the average cost for various violations versus rates for a clean driving record in Smithville.

Annual Smithville, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,459 $3,906 $4,875 $3,922
American Family $2,500 $3,591 $4,375 $2,849
Farmers $3,516 $4,357 $4,262 $4,077
GEICO $2,174 $2,862 $3,909 $2,368
Liberty Mutual $3,489 $5,019 $5,167 $5,558
Nationwide $1,820 $2,344 $3,139 $1,995
Progressive $2,960 $3,980 $3,286 $3,472
State Farm $2,461 $2,901 $2,681 $2,681
USAA $2,036 $2,458 $3,392 $2,217

Find Cheap Smithville, MO Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Smithville, Missouri is higher than for a clean driving record. You can buy auto insurance after a DUI in Smithville for less when you shop around and compare rates from multiple Smithville, MO auto insurance companies.

Annual Auto Insurance Rates After a DUI in Smithville, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,875
American Family $4,375
Farmers $4,262
GEICO $3,909
Liberty Mutual $5,167
Nationwide $3,139
Progressive $3,286
State Farm $2,681
USAA $3,392

Winners by Category: Where to Buy Cheap Auto Insurance in Smithville, MO

Compare rates from the cheapest auto insurance companies in Smithville, MO for your needs. Take a look at how Smithville, Missouri auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Smithville, Missouri

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

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Find Cheap Smithville, Missouri Auto Insurance Companies

If you’re looking for the cheapest Smithville, MO auto insurance companies overall, you can compare them here. Find the best price for Smithville, Missouri car insurance by company.

Average Annual Auto Insurance Rates by Company in Smithville, Missouri

Insurance Company Average Annual Rates
Allstate $4,040
American Family $3,329
Farmers $4,053
GEICO $2,828
Liberty Mutual $4,808
Nationwide $2,325
Progressive $3,424
State Farm $2,681
USAA $2,526

What affects Smithville, Missouri auto insurance rates?

Local factors affect auto insurance rates in Smithville, MO, including traffic, theft statistics, and commute length. Take a look at the things that impact Smithville auto insurance rates.

Commute Times in Smithville

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Smithville, MO is 28.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Smithville, MO

You can buy cheap Smithville, MO auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Smithville, Missouri auto insurance quotes from top companies.

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