Cheapest Car Insurance Quotes in Smiths Station

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Smiths Station Car Insurance

^$ 22

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Smiths Station

The car insurance rate in Smiths Station is $955 for a six-month policy, which is $19 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $515, making it a popular choice for budget-conscious drivers. Rates in Smiths Station can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Smiths Station

$955

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Smiths Station

1st place: AutoOwners Insurance Co

At $515 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $672 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $727 for six months, making it the third cheapest auto insurance company in Smiths Station.

Smiths Station Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Smiths Station, AL is AutoOwners Insurance Co, offering policies at just $515 for a six-month term. This is followed by State Farm, which has an average six-month premium of $672.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2042 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Smiths Station drivers find the best deals.

Cheap Car Insurance Companies in Smiths Station, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$515	$86
State Farm	$672	$113
Travelers	$727	$122
Country Financial	$746	$125
Cincinnati	$769	$130
USAA	$794	$134
Auto-Owners	$849	$143
Nationwide	$1072	$183
Allstate	$1090	$184
Progressive	$1230	$207
Farmers	$2042	$341

Key Takeaways

Way's key takeaways about car insurance in Smiths Station

The auto insurance costs in Smiths Station fall around $515 for six months.
The cheapest auto insurance company in Smiths Station is Cincinnati.
Teen drivers pay the highest rate in Smiths Station at $1192 per month.

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Cheapest Minimum Liability Car Insurance in Smiths Station

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Smiths Station are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Smiths Station. Their Average 6 Month Premium is $134. Farmers is the most expensive at $775 for the same period.

Cheapest Liability Coverage in Smiths Station, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$134	$22
Mercury	$146	$24
Country Financial	$224	$38
Auto-Owners Insurance Co	$231	$39
USAA	$231	$39
State Farm	$237	$40
Travelers	$254	$43
Auto-Owners	$291	$49
Progressive	$412	$69
Nationwide	$437	$72
Allstate	$478	$81
Farmers	$775	$130

Cheapest Full Coverage Car Insurance in Smiths Station

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Smiths Station is AutoOwners Insurance Co at $86 per month and $515 for six months.

Cheapest Full Coverage Car Insurance Quotes in Smiths Station, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$515	$86
State Farm	$672	$113
Travelers	$727	$122
Country Financial	$746	$125
Cincinnati	$769	$130
USAA	$794	$134
Auto-Owners	$849	$143
Nationwide	$1072	$183
Allstate	$1090	$184
Progressive	$1230	$207
Farmers	$2042	$341

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Average Car Insurance in Smiths Station by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Smiths Station, AL increasing?

Despite maintaining a clean driving record, your car insurance rates in Smiths Station, Alabama, may be increasing due to several external factors. Alabama has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Smiths Station's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Smiths Station

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Smiths Station,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Smiths Station at $24 per month. At $7083 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$146	$24
Country Financial	$231	$39
Travelers	$1424	$240
USAA	$1727	$291
State Farm	$1799	$303
Auto-Owners	$2745	$467
Allstate	$3545	$597
Nationwide	$4314	$733
Progressive	$6211	$1046
Farmers	$7083	$1192

Teen Car Insurance Rates in AL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Smiths Station, Cincinnati is the cheapest car insurance provider. At $188 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Smiths Station is Farmers, offering rates of around $3302 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$188	$32
Country Financial	$321	$55
Nationwide	$437	$72
Travelers	$915	$154
USAA	$1097	$183
Progressive	$1309	$220
Allstate	$2072	$346
State Farm	$2381	$405
Auto-Owners	$2630	$439
Farmers	$3302	$561

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Car Insurance Rates with An Accident in Smiths Station

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Smiths Station, AL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Smiths Station

The cheapest car insurance companies after an at-fault accident in Smiths Station include Cincinnati and AutoOwners Insurance Co, offering $206 and $321, respectively. Farmers is an expensive provider with an average six-month premium of $2829.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$206	$35
Auto-Owners Insurance Co	$321	$55
Country Financial	$321	$54
Safeway	$400	$67
Travelers	$581	$98
State Farm	$649	$109
USAA	$806	$136
Auto-Owners	$860	$145
Allstate	$1364	$230
Progressive	$1981	$334
Nationwide	$2030	$339
Farmers	$2829	$481

Smiths Station Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Smiths Station AL. For example, the car insurance in Smiths Station after a DUI increases to $825 for a six month policy. While the rate increases by $237 for a six-month policy in the case of a speeding ticket.

Smiths Station auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$993	$165
One Med/PIP claim	$993	$169
One comp claim	$1024	$170
Two Med/PIP claims	$1024	$174
Not-at-fault accident	$1030	$171
Two comp claims	$1078	$184
Driving without lights	$1181	$197
Failure to wear a seat belt	$1193	$203
Failure to show documents	$1200	$200
Child safety restraint	$1206	$205
Cell phone violation	$1224	$204
Driving with expired registration	$1224	$208
Driving too slowly	$1230	$205
Speeding 6 - 10 MPH over limit	$1230	$209
Speeding in school zone	$1230	$205
Texting while driving	$1230	$209
Speeding 11 - 15 MPH over limit	$1242	$207
Wrong way/wrong lane	$1242	$211
Failure to yield	$1248	$208
Following too closely	$1248	$212
Illegal turn	$1248	$208
Speeding 16 - 20 MPH over limit	$1248	$212
Failure to stop at a red light	$1255	$209
Improper passing	$1255	$213
Passing school bus	$1296	$216
Speeding 21 - 25 MPH over limit	$1303	$221
At-fault accident - less than $1000	$1315	$219
In 65 MPH zone	$1333	$226
At-fault accident - $1000-$2000	$1436	$240
Operating a vehicle without permission	$1466	$249
At-fault accident - greater than $2000	$1478	$247
Open container	$1509	$256
Reckless driving	$1672	$278
Driving with a suspended license	$1745	$297
Racing	$1769	$295
Refusal to submit to a chemical test	$1781	$303
DUI	$1818	$303
Leaving scene of an accident/hit and run	$1890	$321

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Smiths Station after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Smiths Station.

The cheapest car insurance premiums in Smiths Station are offered by Cincinnati at $278 for a six-month policy. However, it can be as expensive as $2720 with companies like Farmers.

Smiths Station car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$278	$47
Country Financial	$375	$63
Travelers	$715	$120
State Farm	$1072	$181
USAA	$1200	$202
Allstate	$1266	$213
Progressive	$1272	$214
Auto-Owners	$1612	$271
Nationwide	$2708	$452
Farmers	$2720	$462

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Smiths Station are offered by Cincinnati at $140. However, it can be as expensive as $2611 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Smiths Station after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$140	$23
Country Financial	$200	$34
Auto-Owners Insurance Co	$266	$45
State Farm	$449	$75
Travelers	$691	$116
USAA	$733	$124
Auto-Owners	$890	$149
Allstate	$1339	$227
Progressive	$1854	$309
Farmers	$2611	$444

Car Insurance Price Trends in Smiths Station, Alabama

Car insurance rates in Smiths Station have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Smiths Station rose by $202 in December compared to $199 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Smiths Station rose to $51 in December, compared to $50 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Smiths Station?

The car insurance in Smiths Station is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Smiths Station?

The cheapest car insurance in Smiths Station is $86 per month for full coverage.

How much is car insurance in Smiths Station for teenagers?

Car insurance for teenagers costs $146 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Smiths Station?

The average cost of car insurance is $936 for a six-month policy. It will cost around $160 per month to insure your car in Smiths Station.

Is car insurance expensive in Smiths Station?

Car insurance can be expensive in Smiths Station if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Smiths Station can be affordable.

Cheapest Car Insurance Quotes in Smiths Station

Why you can trust Way?

How Much Is Car Insurance in Smiths Station

Avg. Car Insurance in Smiths Station

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Smiths Station

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Smiths Station Car Insurance Rates by Company

Cheap Car Insurance Companies in Smiths Station, AL

Way's key takeaways about car insurance in Smiths Station

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Smiths Station

Cheapest Liability Coverage in Smiths Station, AL

Cheapest Full Coverage Car Insurance in Smiths Station

Cheapest Full Coverage Car Insurance Quotes in Smiths Station, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Smiths Station by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Smiths Station, AL increasing?

Car Insurance Premiums by Age in Smiths Station

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Smiths Station,AL

If you are in your twenties N/A is the best choice for car insurance in Smiths Station.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Smiths Station

Cheapest Car Insurance Companies after an At-Fault Accident in Smiths Station

Smiths Station Car Insurance Rates by Violation

Smiths Station auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Smiths Station after a DUI

Smiths Station car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Smiths Station after Speeding ticket

Car Insurance Price Trends in Smiths Station, Alabama

Average Car Insurance Cost in Smiths Station by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Smiths Station, AL

Car Insurance Rates by State in the USA (2025 Update)

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