Cheapest Car Insurance Quotes in Smithville-Sanders

Finding the cheapest car insurance quotes in Smithville-Sanders shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Smithville-Sanders Car Insurance

^$ 21

/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 Smithville-Sanders

The car insurance rate in Smithville-Sanders is $660 for a six-month policy, which is $7 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $400, making it a popular choice for budget-conscious drivers. Rates in Smithville-Sanders 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 Smithville-Sanders

$660

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Smithville-Sanders

1st place: AutoOwners Insurance Co

At $400 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 $406 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $506 for six months, making it the third cheapest auto insurance company in Smithville-Sanders.

Smithville-Sanders Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Smithville-Sanders, IN is AutoOwners Insurance Co, offering policies at just $400 for a six-month term. This is followed by Westfield, which has an average six-month premium of $406.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1224 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Smithville-Sanders drivers find the best deals.

Cheap Car Insurance Companies in Smithville-Sanders, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$400	$66
Westfield	$406	$69
Nationwide	$506	$85
American Family	$524	$88
USAA	$558	$94
Hastings Mutual	$564	$95
Travelers	$624	$105
Hastings Insurance	$636	$108
Progressive	$652	$110
Auto-Owners	$676	$114
State Farm	$906	$152
Farm Bureau	$912	$155
Allstate	$1224	$206

Key Takeaways

Way's key takeaways about car insurance in Smithville-Sanders

The auto insurance costs in Smithville-Sanders fall around $400 for six months.
The cheapest auto insurance company in Smithville-Sanders is Westfield.
Teen drivers pay the highest rate in Smithville-Sanders at $544 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Smithville-Sanders

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 Smithville-Sanders are given below.

Westfield provides the cheapest minimum car insurance coverage in Smithville-Sanders. Their Average 6 Month Premium is $124. Farmers is the most expensive at $224 for the same period.

Cheapest Liability Coverage in Smithville-Sanders, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$124	$21
USAA	$158	$27
Auto-Owners Insurance Co	$164	$28
Hastings Mutual	$176	$30
Indiana Farmers	$182	$31
American Family	$200	$34
Auto-Owners	$200	$34
Progressive	$212	$36
Grange	$218	$37
Travelers	$224	$38
SafeAuto	$242	$41
State Farm	$258	$44
Farm Bureau	$294	$50
Allstate	$482	$81
Farmers	$224	$38

Cheapest Full Coverage Car Insurance in Smithville-Sanders

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 Smithville-Sanders is AutoOwners Insurance Co at $66 per month and $400 for six months.

Cheapest Full Coverage Car Insurance Quotes in Smithville-Sanders, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$400	$66
Westfield	$406	$69
Nationwide	$506	$85
American Family	$524	$88
USAA	$558	$94
Hastings Mutual	$564	$95
Travelers	$624	$105
Hastings Insurance	$636	$108
Progressive	$652	$110
Auto-Owners	$676	$114
State Farm	$906	$152
Farm Bureau	$912	$155
Allstate	$1224	$206

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Smithville-Sanders Instantly!

Average Car Insurance in Smithville-Sanders 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 Smithville-Sanders, IN increasing?

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

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

Car Insurance Premiums by Age in Smithville-Sanders

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
30s	USAA	$425
40s	USAA	$398
50s	USAA	$376
60s	USAA	$392
70s	Buckeye Insurance Group	$419

Cheapest Car Insurance Rates for Teen Drivers in Smithville-Sanders,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Smithville-Sanders at $25 per month. At $3199 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$148	$25
Auto-Owners Insurance Co	$212	$36
Grange	$230	$39
USAA	$470	$79
Travelers	$712	$120
Progressive	$824	$139
American Family	$1435	$242
Auto-Owners	$1912	$319
State Farm	$1988	$338
Allstate	$2364	$394
Farm Bureau	$3199	$544

Teen Car Insurance Rates in IN by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Smithville-Sanders.

As young drivers face the highest rates in Smithville-Sanders, USAA offers the cheapest auto insurance rates at $425 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 Smithville-Sanders, Westfield is the cheapest car insurance provider. At $236 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 Smithville-Sanders is State Farm, offering rates of around $2888 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$236	$40
Nationwide	$276	$47
Grange	$294	$50
Travelers	$652	$110
Progressive	$688	$116
USAA	$752	$128
American Family	$806	$136
Allstate	$976	$164
Farm Bureau	$1858	$310
Auto-Owners	$2006	$341
State Farm	$2888	$481

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Smithville-Sanders.

Car Insurance Rates with An Accident in Smithville-Sanders

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 Smithville-Sanders, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Smithville-Sanders

The cheapest car insurance companies after an at-fault accident in Smithville-Sanders include AutoOwners Insurance Co and Indiana Farmers, offering $230 and $236, respectively. Allstate is an expensive provider with an average six-month premium of $1946.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$230	$39
Indiana Farmers	$236	$40
Grange	$258	$44
Farmers	$300	$51
USAA	$400	$67
Travelers	$464	$78
Auto-Owners	$476	$80
Progressive	$512	$86
State Farm	$546	$92
American Family	$746	$126
Farm Bureau	$1358	$227
Allstate	$1946	$331

Smithville-Sanders Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Smithville-Sanders IN. For example, the car insurance in Smithville-Sanders after a DUI increases to $746 for a six month policy. While the rate increases by $182 for a six-month policy in the case of a speeding ticket.

Smithville-Sanders auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$812	$136
One Med/PIP claim	$812	$138
Not-at-fault accident	$858	$144
Two Med/PIP claims	$870	$148
One comp claim	$876	$147
Failure to show documents	$918	$156
Failure to wear a seat belt	$924	$153
Two comp claims	$930	$158
Child safety restraint	$941	$156
Driving without lights	$941	$160
Driving with expired registration	$976	$162
Speeding 6 - 10 MPH over limit	$994	$169
Driving too slowly	$1000	$166
Failure to yield	$1000	$170
Following too closely	$1000	$166
Illegal turn	$1000	$170
Speeding in school zone	$1000	$166
Cell phone violation	$1006	$171
Speeding 11 - 15 MPH over limit	$1006	$167
Texting while driving	$1006	$171
Wrong way/wrong lane	$1006	$167
Failure to stop at a red light	$1012	$172
Improper passing	$1018	$169
Speeding 16 - 20 MPH over limit	$1018	$173
At-fault accident - less than $1000	$1030	$171
Passing school bus	$1046	$178
Speeding 21 - 25 MPH over limit	$1100	$183
At-fault accident - $1000-$2000	$1135	$193
In 65 MPH zone	$1152	$192
At-fault accident - greater than $2000	$1158	$197
Operating a vehicle without permission	$1240	$207
Open container	$1252	$213
Racing	$1523	$253
Reckless driving	$1529	$260
Refusal to submit to a chemical test	$1546	$257
DUI	$1558	$265
Leaving scene of an accident/hit and run	$1588	$264
Driving with a suspended license	$1600	$272

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Smithville-Sanders 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 Smithville-Sanders.

The cheapest car insurance premiums in Smithville-Sanders are offered by Grange at $364 for a six-month policy. However, it can be as expensive as $1858 with companies like Hastings Mutual.

Smithville-Sanders car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$364	$60
Travelers	$488	$82
Progressive	$530	$89
USAA	$582	$98
American Family	$812	$137
State Farm	$946	$159
Farm Bureau	$1082	$182
Allstate	$1129	$190
Auto-Owners	$1523	$256
Hastings Mutual	$1858	$316

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 Smithville-Sanders are offered by Westfield at $152. However, it can be as expensive as $1523 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Smithville-Sanders after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$152	$26
Auto-Owners Insurance Co	$212	$36
State Farm	$464	$78
Travelers	$506	$85
USAA	$518	$88
American Family	$530	$89
Progressive	$552	$93
Auto-Owners	$712	$119
Farm Bureau	$1094	$186
Allstate	$1523	$253

Car Insurance Price Trends in Smithville-Sanders, Indiana

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

The average cost of full coverage in the Smithville-Sanders remained steady at $133 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Smithville-Sanders remained steady at $39 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Smithville-Sanders?

The car insurance in Smithville-Sanders is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Smithville-Sanders?

The cheapest car insurance in Smithville-Sanders is $66 per month for full coverage.

How much is car insurance in Smithville-Sanders for teenagers?

Car insurance for teenagers costs $148 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 Smithville-Sanders?

The average cost of car insurance is $667 for a six-month policy. It will cost around $111 per month to insure your car in Smithville-Sanders.

Is car insurance expensive in Smithville-Sanders?

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

Cheapest Car Insurance Quotes in Smithville-Sanders

Why you can trust Way?

How Much Is Car Insurance in Smithville-Sanders

Avg. Car Insurance in Smithville-Sanders

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Smithville-Sanders

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Smithville-Sanders Car Insurance Rates by Company

Cheap Car Insurance Companies in Smithville-Sanders, IN

Way's key takeaways about car insurance in Smithville-Sanders

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Smithville-Sanders

Cheapest Liability Coverage in Smithville-Sanders, IN

Cheapest Full Coverage Car Insurance in Smithville-Sanders

Cheapest Full Coverage Car Insurance Quotes in Smithville-Sanders, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Smithville-Sanders by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Smithville-Sanders, IN increasing?

Car Insurance Premiums by Age in Smithville-Sanders

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Smithville-Sanders,IN

If you are in your twenties USAA is the best choice for car insurance in Smithville-Sanders.

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 Smithville-Sanders

Cheapest Car Insurance Companies after an At-Fault Accident in Smithville-Sanders

Smithville-Sanders Car Insurance Rates by Violation

Smithville-Sanders auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Smithville-Sanders after a DUI

Smithville-Sanders car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Smithville-Sanders after Speeding ticket

Car Insurance Price Trends in Smithville-Sanders, Indiana

Average Car Insurance Cost in Smithville-Sanders by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Smithville-Sanders, IN

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

Featured Blogs

Data Sources