Cheapest Car Insurance Quotes in Smithton

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Smithton Car Insurance

^$ 26

/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 Smithton

The car insurance rate in Smithton is $912 for a six-month policy, which is $43 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $468, making it a popular choice for budget-conscious drivers. Rates in Smithton 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 Smithton

$912

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Smithton

1st place: AutoOwners Insurance Co

At $468 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $530 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Country Financial

Country Financial offers auto insurance rates at $555 for six months, making it the third cheapest auto insurance company in Smithton.

Smithton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Smithton, IL is AutoOwners Insurance Co, offering policies at just $468 for a six-month term. This is followed by Westfield, which has an average six-month premium of $530.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $848 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Smithton drivers find the best deals.

Cheap Car Insurance Companies in Smithton, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$468	$80
Westfield	$530	$88
Country Financial	$555	$93
Travelers	$662	$111
American Family	$768	$129
Erie	$804	$134
USAA	$948	$160
State Farm	$954	$161
Progressive	$1048	$176
Auto-Owners	$1104	$184
Allstate	$1584	$267
Farmers	$1584	$267
Hanover	$986	$164
Mercury	$842	$141
Hastings Mutual	$848	$144

Key Takeaways

Way's key takeaways about car insurance in Smithton

The auto insurance costs in Smithton fall around $468 for six months.
The cheapest auto insurance company in Smithton is Mercury.
Teen drivers pay the highest rate in Smithton at $61 per month.

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Cheapest Minimum Liability Car Insurance in Smithton

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 Smithton are given below.

Mercury provides the cheapest minimum car insurance coverage in Smithton. Their Average 6 Month Premium is $156. First Chicago is the most expensive at $206 for the same period.

Cheapest Liability Coverage in Smithton, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$156	$26
Westfield	$168	$28
Auto-Owners Insurance Co	$200	$34
Country Financial	$212	$36
Erie	$261	$44
Auto-Owners	$287	$48
Travelers	$287	$48
American Family	$331	$56
State Farm	$331	$56
USAA	$350	$59
Progressive	$405	$68
Allstate	$636	$107
Farmers	$780	$132
Hanover	$187	$32
AAA	$268	$45
First Chicago	$206	$35

Cheapest Full Coverage Car Insurance in Smithton

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 Smithton is AutoOwners Insurance Co at $80 per month and $468 for six months.

Cheapest Full Coverage Car Insurance Quotes in Smithton, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$468	$80
Westfield	$530	$88
Country Financial	$555	$93
Travelers	$662	$111
American Family	$768	$129
Erie	$804	$134
USAA	$948	$160
State Farm	$954	$161
Progressive	$1048	$176
Auto-Owners	$1104	$184
Allstate	$1584	$267
Farmers	$1584	$267
Hanover	$986	$164
Mercury	$842	$141
Hastings Mutual	$848	$144

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Average Car Insurance in Smithton 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 Smithton, IL increasing?

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

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

Car Insurance Premiums by Age in Smithton

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	Auto-Owners	$742
30s	Auto-Owners	$513
40s	Auto-Owners	$504
50s	Auto-Owners	$476
60s	Auto-Owners	$500
70s	Auto-Owners	$634

Cheapest Car Insurance Rates for Teen Drivers in Smithton,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Smithton at $34 per month. At $356 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$200	$34
Mercury	$231	$39
Auto-Owners Insurance Co	$250	$42
Country Financial	$848	$143
Erie	$1042	$175
Travelers	$1104	$186
USAA	$1922	$323
American Family	$2302	$387
State Farm	$3312	$558
Progressive	$3318	$559
Allstate	$3855	$649
Farmers	$3923	$660
AAA	$356	$61

Teen Car Insurance Rates in IL by Age

Way Tip

If you are in your twenties AutoOwners is the best choice for car insurance in Smithton.

As young drivers face the highest rates in Smithton, AutoOwners offers the cheapest auto insurance rates at $742 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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Smithton, Mercury is the cheapest car insurance provider. At $237 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 Smithton is State Farm, offering rates of around $3262 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$237	$40
Westfield	$312	$54
Hanover	$418	$69
Country Financial	$624	$105
Travelers	$692	$117
Progressive	$991	$167
American Family	$1216	$205
USAA	$1615	$275
Allstate	$2651	$442
Farmers	$3050	$519
State Farm	$3262	$544

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

Car Insurance Rates with An Accident in Smithton

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 Smithton, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Smithton

The cheapest car insurance companies after an at-fault accident in Smithton include AutoOwners Insurance Co and Westfield, offering $261 and $268, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $312.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$261	$44
Westfield	$268	$45
Mercury	$343	$57
Travelers	$599	$101
Erie	$605	$102
Country Financial	$611	$103
State Farm	$904	$152
USAA	$929	$156
American Family	$1042	$175
Progressive	$1504	$253
Farmers	$1659	$279
Allstate	$2751	$463
AAA	$443	$76
First Chicago	$287	$48
Hastings Mutual	$312	$54

Smithton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Smithton IL. For example, the car insurance in Smithton after a DUI increases to $861 for a six month policy. While the rate increases by $231 for a six-month policy in the case of a speeding ticket.

Smithton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1029	$171
One Med/PIP claim	$1035	$176
Not-at-fault accident	$1092	$182
One comp claim	$1116	$190
Two Med/PIP claims	$1116	$186
Failure to wear a seat belt	$1197	$204
Driving without lights	$1210	$202
Child safety restraint	$1216	$207
Two comp claims	$1216	$203
Failure to show documents	$1235	$210
Speeding 6 - 10 MPH over limit	$1260	$210
Driving with expired registration	$1266	$215
Speeding 11 - 15 MPH over limit	$1292	$215
Driving too slowly	$1298	$221
Failure to yield	$1298	$216
Illegal turn	$1298	$221
At-fault accident - less than $1000	$1309	$218
Failure to stop at a red light	$1309	$223
Following too closely	$1309	$218
Speeding 16 - 20 MPH over limit	$1316	$224
Speeding in school zone	$1316	$219
Improper passing	$1322	$225
Wrong way/wrong lane	$1322	$221
Cell phone violation	$1347	$229
Texting while driving	$1347	$225
Passing school bus	$1360	$231
In 65 MPH zone	$1366	$228
Speeding 21 - 25 MPH over limit	$1379	$234
Operating a vehicle without permission	$1404	$234
At-fault accident - $1000-$2000	$1491	$253
At-fault accident - greater than $2000	$1515	$253
Open container	$1566	$267
Reckless driving	$1815	$302
Racing	$1833	$312
Driving with a suspended license	$1871	$312
Refusal to submit to a chemical test	$1884	$320
DUI	$1890	$315
Leaving scene of an accident/hit and run	$1909	$324

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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 Smithton 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 Smithton.

The cheapest car insurance premiums in Smithton are offered by Mercury at $237 for a six-month policy. However, it can be as expensive as $2675 with companies like Farmers.

Smithton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$237	$40
Travelers	$636	$107
Erie	$736	$124
Progressive	$768	$129
Country Financial	$967	$163
American Family	$1179	$198
State Farm	$1279	$215
USAA	$1497	$252
Allstate	$2351	$396
Farmers	$2675	$455

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 Smithton are offered by Westfield at $200. However, it can be as expensive as $4902 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Smithton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$200	$34
Auto-Owners Insurance Co	$225	$38
Mercury	$244	$41
Erie	$261	$44
Hanover	$299	$50
Country Financial	$630	$106
USAA	$817	$137
State Farm	$1116	$190
Travelers	$1266	$211
Progressive	$1309	$223
American Family	$1453	$245
Allstate	$4166	$709
Farmers	$4902	$817

Car Insurance Price Trends in Smithton, Illinois

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

The average cost of full coverage in the Smithton rose by $203 in December compared to $201 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Smithton rose to $56 in December, compared to $54 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Smithton?

The car insurance in Smithton is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Smithton?

The cheapest car insurance in Smithton is $80 per month for full coverage.

How much is car insurance in Smithton for teenagers?

Car insurance for teenagers costs $200 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 Smithton?

The average cost of car insurance is $869 for a six-month policy. It will cost around $152 per month to insure your car in Smithton.

Is car insurance expensive in Smithton?

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

Cheapest Car Insurance Quotes in Smithton

Why you can trust Way?

How Much Is Car Insurance in Smithton

Avg. Car Insurance in Smithton

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Smithton

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Smithton Car Insurance Rates by Company

Cheap Car Insurance Companies in Smithton, IL

Way's key takeaways about car insurance in Smithton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Smithton

Cheapest Liability Coverage in Smithton, IL

Cheapest Full Coverage Car Insurance in Smithton

Cheapest Full Coverage Car Insurance Quotes in Smithton, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Smithton by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Smithton, IL increasing?

Car Insurance Premiums by Age in Smithton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Smithton,IL

If you are in your twenties AutoOwners is the best choice for car insurance in Smithton.

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 Smithton

Cheapest Car Insurance Companies after an At-Fault Accident in Smithton

Smithton Car Insurance Rates by Violation

Smithton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Smithton after a DUI

Smithton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Smithton after Speeding ticket

Car Insurance Price Trends in Smithton, Illinois

Average Car Insurance Cost in Smithton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Smithton, IL

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

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