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Finding the cheapest car insurance quotes in Smithdale 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.
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 Smithdale
The car insurance rate in Smithdale is $920 for a six-month policy, which is $52 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $409, making it a popular choice for budget-conscious drivers. Rates in Smithdale 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.
At $409 for a six
month policy, Direct General Insurance offers
the cheapest
auto
insurance rates in the city.
2nd place: Mississippi Farm Bureau
Mississippi Farm Bureau offers auto
insurance rates at $454 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $762
for six months, making it
the third cheapest auto insurance company in Smithdale.
Smithdale Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Smithdale, MS is Direct General Insurance, offering policies at just $409 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $454.
At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1405 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Smithdale drivers find the best deals.
Way's key takeaways about car insurance in Smithdale
The auto insurance costs in Smithdale fall around $409 for six
months.
The cheapest auto insurance company in Smithdale is Direct General Insurance.
Teen drivers pay the highest rate in Smithdale at $921 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 Smithdale
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 Smithdale are given below.
Direct General Insurance provides
the cheapest minimum car insurance
coverage in Smithdale. Their Average 6 Month Premium is $163.
Farmers is the most
expensive at $561 for the same
period.
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 Smithdale is Direct General Insurance
at $70 per month and $409
for six months.
Cheapest Full Coverage Car Insurance Quotes in Smithdale,
MS
Get Your Car Insurance Quote in Smithdale
Instantly!
Average Car Insurance in Smithdale 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 Smithdale, MS increasing?
Despite maintaining a clean driving record, your car insurance rates
in Smithdale, Mississippi, may be increasing due to several external factors.
Mississippi has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Smithdale's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Smithdale
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
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Cheapest Car Insurance Rates for Teen Drivers in
Smithdale,MS
If you are planning to get a car insurance policy for your teenage
dependent, Direct General Insurance provides the cheapest car
insurance in the Smithdale at $35
per
month. At $5528 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Smithdale.
As young drivers face the highest rates in Smithdale, N/A
offers the cheapest auto insurance rates at $N/A 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 Smithdale,
Direct General Insurance is
the cheapest car insurance provider. At $208 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
Smithdale is Farmers, offering
rates of around $3771 for six
months.
Save up to $971/yr on car insurance rates in Smithdale.
Car Insurance Rates with An Accident in Smithdale
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 Smithdale, MS,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Smithdale
The cheapest car insurance companies after an at-fault accident in
Smithdale include Mississippi Farm Bureau
and Direct General Insurance, offering $233
and $334,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3054.
Here is a list of driving violations that can increase your car
insurance rates in Smithdale MS. For example, the car
insurance in Smithdale
after a DUI increases to $775 for a six
month policy. While the rate increases by $259 for a six-month policy in the case of
a speeding ticket.
Smithdale auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1120
$187
One Med/PIP claim
$1120
$191
Not-at-fault accident
$1171
$195
One comp claim
$1197
$204
Two Med/PIP claims
$1203
$200
Driving without lights
$1291
$219
Two comp claims
$1297
$216
Failure to show documents
$1335
$227
Failure to wear a seat belt
$1335
$223
Child safety restraint
$1341
$228
Driving with expired registration
$1341
$224
Driving too slowly
$1354
$230
Failure to stop at a red light
$1354
$226
Speeding in school zone
$1354
$230
Cell phone violation
$1366
$228
Improper passing
$1373
$233
Texting while driving
$1373
$229
Wrong way/wrong lane
$1373
$233
Speeding 6 - 10 MPH over limit
$1379
$230
Failure to yield
$1385
$235
Speeding 11 - 15 MPH over limit
$1385
$231
Following too closely
$1392
$236
Illegal turn
$1392
$232
Speeding 16 - 20 MPH over limit
$1392
$236
Speeding 21 - 25 MPH over limit
$1405
$234
Passing school bus
$1417
$241
In 65 MPH zone
$1454
$243
At-fault accident - less than $1000
$1523
$259
Operating a vehicle without permission
$1536
$257
Open container
$1580
$269
At-fault accident - $1000-$2000
$1643
$273
At-fault accident - greater than $2000
$1643
$280
Driving with a suspended license
$1713
$285
Reckless driving
$1713
$292
Refusal to submit to a chemical test
$1876
$313
DUI
$1895
$322
Racing
$1914
$319
Leaving scene of an accident/hit and run
$1927
$328
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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 Smithdale 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 Smithdale.
The cheapest car insurance premiums in
Smithdale are
offered by Mississippi Farm Bureau at $328 for a six-month policy.
However, it can be as
expensive as $3054 with companies
like Farmers.
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 Smithdale are offered by Mississippi Farm Bureau
at $189. However,
it can be as expensive as $1833
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Smithdale after Speeding ticket
Car Insurance Price Trends in Smithdale,
Mississippi
Car insurance rates in Smithdale have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Smithdale remained steady at $216 in both November and October, indicating no change over the two month period.
The average cost of liability insurance in the Smithdale remained steady at $49 in both November and October, indicating no change over the two month period.
Average Car Insurance Cost in Smithdale by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Smithdale. At $1840 for a
six-month policy, insuring
your car at 39664 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Smithdale?
The car insurance in Smithdale is $28 per month, which is lower than the national average.
What is the cheapest car insurance in Smithdale?
The cheapest car insurance in Smithdale
is $70 per month
for full coverage.
How much is car insurance in Smithdale for teenagers?
Car insurance for teenagers costs $208 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
Smithdale?
The average cost of car insurance is $868 for a six-month
policy. It will cost around $155 per month to insure your
car in Smithdale.
Is car insurance expensive in Smithdale?
Car insurance can be expensive in Smithdale if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Smithdale can be
affordable.
What is the best car insurance in Smithdale,
MS?
The best car insurance company in Smithdale
MS is
Direct General Insurance, offering $409 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Smithdale, MS
Car Insurance Rates by State in the USA (2025 Update)
Smithdale Car Insurance
