Cheapest Car Insurance Quotes in Smith Center

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Smith Center Car Insurance

^$ 28

/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 Center

The car insurance rate in Smith Center is $1003 for a six-month policy, which is $39 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $482, making it a popular choice for budget-conscious drivers. Rates in Smith Center 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 Center

$1003

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Smith Center

1st place: AutoOwners Insurance Co

At $482 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $710 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $754 for six months, making it the third cheapest auto insurance company in Smith Center.

Smith Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Smith Center, KS is AutoOwners Insurance Co, offering policies at just $482 for a six-month term. This is followed by Travelers, which has an average six-month premium of $710.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1600 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Smith Center drivers find the best deals.

Cheap Car Insurance Companies in Smith Center, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$482	$80
Travelers	$710	$120
American Family	$754	$127
USAA	$754	$127
Nationwide	$822	$138
Shelter	$889	$150
Auto-Owners	$1019	$170
State Farm	$1032	$174
Progressive	$1130	$190
Farmers	$1162	$196
Encompass	$1309	$218
Farm Bureau	$1378	$234
Allstate	$1600	$269

Key Takeaways

Way's key takeaways about car insurance in Smith Center

The auto insurance costs in Smith Center fall around $482 for six months.
The cheapest auto insurance company in Smith Center is USAA.
Teen drivers pay the highest rate in Smith Center at $800 per month.

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Cheapest Minimum Liability Car Insurance in Smith Center

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 Center are given below.

USAA provides the cheapest minimum car insurance coverage in Smith Center. Their Average 6 Month Premium is $166. Encompass is the most expensive at $248 for the same period.

Cheapest Liability Coverage in Smith Center, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$166	$28
Auto-Owners Insurance Co	$173	$29
Iowa Farm Bureau	$216	$36
Farmers Union Insurance	$229	$38
Travelers	$235	$40
Auto-Owners	$248	$42
Electric	$248	$42
Kansas Farm Bureau	$259	$44
Progressive	$265	$45
American Family	$271	$46
State Farm	$271	$46
Farm Bureau	$278	$47
Shelter	$315	$53
Farmers	$451	$76
Allstate	$599	$101
Encompass	$248	$42

Cheapest Full Coverage Car Insurance in Smith Center

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 Center is AutoOwners Insurance Co at $80 per month and $482 for six months.

Cheapest Full Coverage Car Insurance Quotes in Smith Center, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$482	$80
Travelers	$710	$120
American Family	$754	$127
USAA	$754	$127
Nationwide	$822	$138
Shelter	$889	$150
Auto-Owners	$1019	$170
State Farm	$1032	$174
Progressive	$1130	$190
Farmers	$1162	$196
Encompass	$1309	$218
Farm Bureau	$1378	$234
Allstate	$1600	$269

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Average Car Insurance in Smith Center 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 Center, KS increasing?

Despite maintaining a clean driving record, your car insurance rates in Smith Center, Kansas, may be increasing due to several external factors. Kansas 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 Center'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 Center

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	Nationwide	$795
30s	Nationwide	$683
40s	Nationwide	$553
50s	Nationwide	$506
60s	Nationwide	$483
70s	Nationwide	$524

Cheapest Car Insurance Rates for Teen Drivers in Smith Center,KS

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Smith Center at $38 per month. At $4751 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$229	$38
Iowa Farm Bureau	$254	$43
Farmers Union Insurance	$265	$45
Kansas Farm Bureau	$340	$56
Travelers	$735	$124
American Family	$1297	$218
USAA	$1538	$259
State Farm	$2168	$365
Shelter	$2416	$407
Progressive	$2434	$410
Farmers	$2805	$472
Farm Bureau	$3101	$517
Allstate	$4751	$800

Teen Car Insurance Rates in KS by Age

Way Tip

If you are in your twenties Nationwide is the best choice for car insurance in Smith Center.

As young drivers face the highest rates in Smith Center, Nationwide offers the cheapest auto insurance rates at $795 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 Smith Center, Iowa Farm Bureau is the cheapest car insurance provider. At $414 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 Smith Center is State Farm, offering rates of around $4362 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$414	$71
Farmers Union Insurance	$420	$70
Nationwide	$451	$77
Travelers	$790	$133
USAA	$1007	$172
Progressive	$1032	$174
Shelter	$1118	$188
American Family	$1143	$192
Farmers	$1483	$250
Farm Bureau	$2545	$424
Allstate	$2669	$453
State Farm	$4362	$727

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

Car Insurance Rates with An Accident in Smith Center

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 Center, KS, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Smith Center include AutoOwners Insurance Co and Electric, offering $210 and $296, respectively. Encompass is an expensive provider with an average six-month premium of $340.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$210	$35
Electric	$296	$50
Iowa Farm Bureau	$334	$55
Farmers Union Insurance	$353	$60
Auto-Owners	$370	$61
Kansas Farm Bureau	$469	$80
Travelers	$531	$89
USAA	$612	$103
State Farm	$679	$114
American Family	$723	$122
Shelter	$952	$160
Progressive	$1198	$202
Farmers	$2082	$350
Farm Bureau	$2088	$355
Allstate	$2311	$389
Encompass	$340	$58

Smith Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Smith Center KS. For example, the car insurance in Smith Center after a DUI increases to $1056 for a six month policy. While the rate increases by $235 for a six-month policy in the case of a speeding ticket.

Smith Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1211	$202
One Med/PIP claim	$1211	$206
Not-at-fault accident	$1242	$207
Two Med/PIP claims	$1297	$220
One comp claim	$1303	$217
Failure to show documents	$1341	$228
Two comp claims	$1353	$226
Failure to wear a seat belt	$1366	$232
Child safety restraint	$1402	$234
Driving with expired registration	$1402	$238
Driving without lights	$1402	$234
Speeding 6 - 10 MPH over limit	$1446	$245
Cell phone violation	$1464	$244
Driving too slowly	$1464	$249
Texting while driving	$1464	$244
Failure to yield	$1477	$251
Following too closely	$1477	$246
Illegal turn	$1477	$251
Wrong way/wrong lane	$1477	$246
In 65 MPH zone	$1483	$252
Speeding 11 - 15 MPH over limit	$1483	$248
Failure to stop at a red light	$1489	$253
Improper passing	$1489	$249
Speeding in school zone	$1489	$253
Speeding 16 - 20 MPH over limit	$1494	$250
Open container	$1507	$256
Operating a vehicle without permission	$1519	$254
Passing school bus	$1532	$260
Speeding 21 - 25 MPH over limit	$1532	$256
At-fault accident - less than $1000	$1551	$264
At-fault accident - $1000-$2000	$1711	$285
At-fault accident - greater than $2000	$1711	$291
Racing	$1891	$315
Reckless driving	$2051	$348
Driving with a suspended license	$2224	$370
Refusal to submit to a chemical test	$2248	$383
DUI	$2267	$378
Leaving scene of an accident/hit and run	$2360	$401

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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 Center 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 Center.

The cheapest car insurance premiums in Smith Center are offered by Farmers Union Insurance at $408 for a six-month policy. However, it can be as expensive as $3274 with companies like Farm Bureau.

Smith Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$408	$70
Travelers	$563	$95
American Family	$668	$112
Progressive	$754	$127
State Farm	$920	$155
USAA	$1186	$200
Shelter	$1359	$229
Farmers	$1384	$233
Allstate	$1990	$335
Farm Bureau	$3274	$546

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 Center are offered by Iowa Farm Bureau at $271. However, it can be as expensive as $3534 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Smith Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$271	$46
Auto-Owners Insurance Co	$284	$48
Farmers Union Insurance	$303	$51
Travelers	$599	$101
American Family	$649	$109
USAA	$655	$109
State Farm	$668	$112
Progressive	$895	$151
Farm Bureau	$1180	$201
Shelter	$1316	$219
Farmers	$1414	$238
Allstate	$3534	$589

Car Insurance Price Trends in Smith Center, Kansas

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

The average cost of full coverage in the Smith Center rose by $192 in December compared to $191 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 Center rose to $48 in December, compared to $47 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 Center?

The car insurance in Smith Center is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Smith Center?

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

How much is car insurance in Smith Center for teenagers?

Car insurance for teenagers costs $229 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 Center?

The average cost of car insurance is $964 for a six-month policy. It will cost around $168 per month to insure your car in Smith Center.

Is car insurance expensive in Smith Center?

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

Cheapest Car Insurance Quotes in Smith Center

Why you can trust Way?

How Much Is Car Insurance in Smith Center

Avg. Car Insurance in Smith Center

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Smith Center

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Smith Center Car Insurance Rates by Company

Cheap Car Insurance Companies in Smith Center, KS

Way's key takeaways about car insurance in Smith Center

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Smith Center

Cheapest Liability Coverage in Smith Center, KS

Cheapest Full Coverage Car Insurance in Smith Center

Cheapest Full Coverage Car Insurance Quotes in Smith Center, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Smith Center by Rating Factor

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

Car Insurance Premiums by Age in Smith Center

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Smith Center,KS

If you are in your twenties Nationwide is the best choice for car insurance in Smith Center.

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 Center

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

Smith Center Car Insurance Rates by Violation

Smith Center auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Smith Center after a DUI

Smith Center car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Smith Center after Speeding ticket

Car Insurance Price Trends in Smith Center, Kansas

Average Car Insurance Cost in Smith Center by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Smith Center, KS

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

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