Cheapest Car Insurance Quotes in Smith River

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Smith River 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 Smith River

The car insurance rate in Smith River is $849 for a six-month policy, which is $162 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $539, making it a popular choice for budget-conscious drivers. Rates in Smith River 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 Smith River

$849

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Smith River

1st place: CSAA

At $539 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $684 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $723 for six months, making it the third cheapest auto insurance company in Smith River.

Smith River Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Smith River, CA is CSAA, offering policies at just $539 for a six-month term. This is followed by USAA, which has an average six-month premium of $684.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $648 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Smith River drivers find the best deals.

Cheap Car Insurance Companies in Smith River, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$539	$91
USAA	$684	$115
Mercury	$723	$122
AAA SoCal	$793	$135
Progressive	$833	$140
Allstate	$913	$154
Wawanesa	$918	$155
AAA NorCal	$928	$158
Auto Club	$958	$160
State Farm	$1013	$171
AAA	$1152	$192
Kemper	$1193	$202
Farmers	$1332	$222
Capital Insurance Group	$594	$99
National General	$604	$102
State National	$614	$102
Hartford	$648	$110

Key Takeaways

Way's key takeaways about car insurance in Smith River

The auto insurance costs in Smith River fall around $539 for six months.
The cheapest auto insurance company in Smith River is CSAA.
Teen drivers pay the highest rate in Smith River at $56 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Smith River

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 Smith River are given below.

CSAA provides the cheapest minimum car insurance coverage in Smith River. Their Average 6 Month Premium is $129. 21st Century is the most expensive at $339 for the same period.

Cheapest Liability Coverage in Smith River, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$129	$22
AAA	$229	$39
USAA	$239	$40
AAA NorCal	$249	$42
AAA SoCal	$285	$49
Progressive	$290	$49
Auto Club	$294	$50
State Farm	$304	$51
Wawanesa	$309	$52
Mercury	$329	$55
Allstate	$354	$60
Farmers	$424	$71
Kemper	$234	$39
Capital Insurance Group	$255	$44
State National	$270	$46
National General	$334	$55
21st Century	$339	$58

Cheapest Full Coverage Car Insurance in Smith River

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 Smith River is CSAA at $91 per month and $539 for six months.

Cheapest Full Coverage Car Insurance Quotes in Smith River, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$539	$91
USAA	$684	$115
Mercury	$723	$122
AAA SoCal	$793	$135
Progressive	$833	$140
Allstate	$913	$154
Wawanesa	$918	$155
AAA NorCal	$928	$158
Auto Club	$958	$160
State Farm	$1013	$171
AAA	$1152	$192
Kemper	$1193	$202
Farmers	$1332	$222
Capital Insurance Group	$594	$99
National General	$604	$102
State National	$614	$102
Hartford	$648	$110

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Average Car Insurance in Smith River 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 Smith River, CA increasing?

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

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

Car Insurance Premiums by Age in Smith River

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$491
30s	Wawanesa	$396
40s	Wawanesa	$396
50s	Wawanesa	$396
60s	Wawanesa	$396
70s	Wawanesa	$388

Cheapest Car Insurance Rates for Teen Drivers in Smith River,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Smith River at $33 per month. At $329 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$195	$33
Capital Insurance Group	$439	$73
USAA	$1047	$176
Mercury	$1063	$179
Wawanesa	$1168	$198
Progressive	$1222	$206
CSAA	$1472	$248
State Farm	$1746	$294
AAA SoCal	$1891	$322
Allstate	$2026	$341
Auto Club	$2160	$367
AAA NorCal	$2879	$480
Farmers	$2939	$500
State National	$314	$52
Marcury	$329	$56

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Smith River.

As young drivers face the highest rates in Smith River, Wawanesa offers the cheapest auto insurance rates at $491 for six months.

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.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Smith River.

Car Insurance Rates with An Accident in Smith River

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 Smith River, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Smith River

The cheapest car insurance companies after an at-fault accident in Smith River include AAA and Capital Insurance Group, offering $319 and $459, respectively. 21st Century is an expensive provider with an average six-month premium of $574.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$319	$54
Capital Insurance Group	$459	$78
CSAA	$614	$103
USAA	$918	$155
Progressive	$1063	$179
Mercury	$1127	$192
Wawanesa	$1297	$216
AAA SoCal	$1362	$232
Auto Club	$1437	$239
Farmers	$1477	$249
State Farm	$1756	$296
AAA NorCal	$1881	$320
Allstate	$2260	$381
State National	$379	$63
Hartford	$439	$75
National General	$504	$84
Nationwide	$543	$92
21st Century	$574	$96

Smith River Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Smith River CA. For example, the car insurance in Smith River after a DUI increases to $1462 for a six month policy. While the rate increases by $384 for a six-month policy in the case of a speeding ticket.

Smith River auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$913	$152
Not-at-fault accident	$913	$155
One comp claim	$913	$152
One Med/PIP claim	$913	$155
Two comp claims	$913	$152
Two Med/PIP claims	$913	$155
At-fault accident - less than $1000	$933	$155
Failure to show documents	$1203	$204
Driving with expired registration	$1227	$205
Driving without lights	$1227	$208
Failure to wear a seat belt	$1232	$206
Child safety restraint	$1242	$211
Speeding 11 - 15 MPH over limit	$1292	$215
Speeding 16 - 20 MPH over limit	$1292	$220
Driving too slowly	$1297	$216
Failure to stop at a red light	$1297	$221
Failure to yield	$1297	$216
Following too closely	$1297	$221
Illegal turn	$1297	$216
In 65 MPH zone	$1297	$221
Speeding 21 - 25 MPH over limit	$1297	$216
Speeding 6 - 10 MPH over limit	$1297	$221
Speeding in school zone	$1297	$216
Improper passing	$1302	$222
Cell phone violation	$1307	$218
Texting while driving	$1307	$223
Passing school bus	$1322	$220
Wrong way/wrong lane	$1546	$263
Operating a vehicle without permission	$1582	$264
At-fault accident - $1000-$2000	$1592	$270
At-fault accident - greater than $2000	$1592	$265
Open container	$1597	$271
Driving with a suspended license	$1851	$308
Reckless driving	$2255	$384
Racing	$2281	$380
Leaving scene of an accident/hit and run	$2290	$390
DUI	$2375	$396
Refusal to submit to a chemical test	$2375	$404

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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 Smith River 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 Smith River.

The cheapest car insurance premiums in Smith River are offered by AAA at $628 for a six-month policy. However, it can be as expensive as $529 with companies like Kemper.

Smith River car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$628	$107
Capital Insurance Group	$684	$114
Mercury	$813	$137
Progressive	$1203	$202
Wawanesa	$1462	$249
Farmers	$1551	$261
USAA	$1651	$278
CSAA	$1746	$294
AAA SoCal	$2525	$429
Auto Club	$2889	$481
AAA NorCal	$3328	$566
State Farm	$3552	$598
Allstate	$3657	$616
Travelers	$704	$118
National General	$329	$55
Kemper	$529	$88

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 Smith River are offered by CSAA at $80. However, it can be as expensive as $379 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Smith River after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$80	$13
Capital Insurance Group	$439	$73
Mercury	$748	$126
USAA	$784	$130
Progressive	$843	$142
AAA NorCal	$1168	$195
AAA SoCal	$1252	$213
Allstate	$1288	$214
State Farm	$1362	$232
Farmers	$1886	$314
AAA	$244	$41
Kemper	$309	$53
National General	$329	$55
State National	$379	$65

Car Insurance Price Trends in Smith River, California

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

The average cost of full coverage in the Smith River rose by $161 in December compared to $160 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Smith River rose to $45 in December, compared to $44 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 Smith River?

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

What is the cheapest car insurance in Smith River?

The cheapest car insurance in Smith River is $91 per month for full coverage.

How much is car insurance in Smith River for teenagers?

Car insurance for teenagers costs $195 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 Smith River?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $143 per month to insure your car in Smith River.

Is car insurance expensive in Smith River?

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

Cheapest Car Insurance Quotes in Smith River

Why you can trust Way?

How Much Is Car Insurance in Smith River

Avg. Car Insurance in Smith River

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Smith River

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Smith River Car Insurance Rates by Company

Cheap Car Insurance Companies in Smith River, CA

Way's key takeaways about car insurance in Smith River

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Smith River

Cheapest Liability Coverage in Smith River, CA

Cheapest Full Coverage Car Insurance in Smith River

Cheapest Full Coverage Car Insurance Quotes in Smith River, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Smith River by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Smith River, CA increasing?

Car Insurance Premiums by Age in Smith River

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Smith River,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Smith River.

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 Smith River

Cheapest Car Insurance Companies after an At-Fault Accident in Smith River

Smith River Car Insurance Rates by Violation

Smith River auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Smith River after a DUI

Smith River car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Smith River after Speeding ticket

Car Insurance Price Trends in Smith River, California

Average Car Insurance Cost in Smith River by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Smith River, CA

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

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