Cheapest Car Insurance Quotes in Smithville

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Smithville Car Insurance

^$ 65

/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

The car insurance rate in Smithville is $1234 for a six-month policy, which is $112 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $849, making it a popular choice for budget-conscious drivers. Rates in Smithville 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

$1234

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Smithville

1st place: New Jersey Manufacturers

At $849 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: NJM

NJM offers auto insurance rates at $1013 for a six-month policy, making it one of the cheapest to insure with.

3rd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1026 for six months, making it the third cheapest auto insurance company in Smithville.

Smithville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Smithville, NJ is New Jersey Manufacturers, offering policies at just $849 for a six-month term. This is followed by NJM, which has an average six-month premium of $1013.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1118 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Smithville drivers find the best deals.

Cheap Car Insurance Companies in Smithville, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$849	$144
NJM	$1013	$171
New Jersey Skylands Insurance	$1026	$175
Progressive	$1038	$175
Plymouth Rock	$1104	$186
Allstate	$1249	$210
Travelers	$1287	$217
State Farm	$1372	$231
Amica Mutual	$1438	$244
Selective	$1496	$250
Farmers	$1823	$310
National General	$1118	$190

Key Takeaways

Way's key takeaways about car insurance in Smithville

The auto insurance costs in Smithville fall around $849 for six months.
The cheapest auto insurance company in Smithville is New Jersey Manufacturers.
Teen drivers pay the highest rate in Smithville at $1161 per month.

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Cheapest Minimum Liability Car Insurance in Smithville

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 are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Smithville. Their Average 6 Month Premium is $392. National General is the most expensive at $411 for the same period.

Cheapest Liability Coverage in Smithville, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$392	$65
Plymouth Rock	$491	$83
Progressive	$491	$83
NJM	$529	$89
New Jersey Skylands Insurance	$575	$96
State Farm	$582	$98
Amica Mutual	$589	$98
Travelers	$589	$99
Amica	$673	$112
Selective	$712	$121
Allstate	$732	$123
Farmers	$1183	$201
National General	$411	$70

Cheapest Full Coverage Car Insurance in Smithville

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 is New Jersey Manufacturers at $144 per month and $849 for six months.

Cheapest Full Coverage Car Insurance Quotes in Smithville, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$849	$144
NJM	$1013	$171
New Jersey Skylands Insurance	$1026	$175
Progressive	$1038	$175
Plymouth Rock	$1104	$186
Allstate	$1249	$210
Travelers	$1287	$217
State Farm	$1372	$231
Amica Mutual	$1438	$244
Selective	$1496	$250
Farmers	$1823	$310
National General	$1118	$190

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Average Car Insurance in Smithville 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, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Smithville, New Jersey, may be increasing due to several external factors. New Jersey 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'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

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	NJM	$844
30s	NJM	$656
40s	NJM	$607
50s	NJM	$560
60s	NJM	$516

Cheapest Car Insurance Rates for Teen Drivers in Smithville,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Smithville at $100 per month. At $6828 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$589	$100
Selective	$738	$123
NJM	$1124	$189
New Jersey Manufacturers	$1947	$325
Travelers	$2725	$459
Plymouth Rock	$2921	$492
Allstate	$2927	$493
Progressive	$3189	$537
Amica Mutual	$3443	$585
State Farm	$3776	$636
Farmers	$6828	$1161

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in Smithville.

As young drivers face the highest rates in Smithville, NJM offers the cheapest auto insurance rates at $844 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, Amica Mutual is the cheapest car insurance provider. At $718 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 is Farmers, offering rates of around $6168 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$718	$122
New Jersey Skylands Insurance	$902	$151
Foremost	$1007	$172
NJM	$1216	$205
Progressive	$1229	$207
Plymouth Rock	$1594	$268
Allstate	$2725	$463
Travelers	$3920	$653
State Farm	$5965	$1014
Farmers	$6168	$1029

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Car Insurance Rates with An Accident in Smithville

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, NJ, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Smithville include New Jersey Skylands Insurance and NJM, offering $693 and $712, respectively. National General is an expensive provider with an average six-month premium of $477.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$693	$116
NJM	$712	$120
New Jersey Manufacturers	$895	$150
Plymouth Rock	$902	$152
Selective	$1038	$173
Amica Mutual	$1111	$187
Progressive	$1385	$233
State Farm	$2118	$356
Travelers	$2234	$376
Allstate	$3116	$525
Farmers	$5625	$937
National General	$477	$79

Smithville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Smithville NJ. For example, the car insurance in Smithville after a DUI increases to $1386 for a six month policy. While the rate increases by $190 for a six-month policy in the case of a speeding ticket.

Smithville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1274	$212
One Med/PIP claim	$1280	$218
Not-at-fault accident	$1340	$223
One comp claim	$1353	$230
Two Med/PIP claims	$1360	$227
Speeding 6 - 10 MPH over limit	$1464	$249
Speeding 11 - 15 MPH over limit	$1471	$245
Two comp claims	$1471	$250
Failure to show documents	$1489	$249
At-fault accident - less than $1000	$1509	$256
Failure to wear a seat belt	$1529	$255
Driving too slowly	$1536	$261
Driving without lights	$1542	$257
Child safety restraint	$1569	$266
Driving with expired registration	$1569	$262
Wrong way/wrong lane	$1594	$271
Failure to yield	$1601	$267
Failure to stop at a red light	$1607	$273
Illegal turn	$1634	$273
Cell phone violation	$1653	$282
Texting while driving	$1653	$275
Speeding in school zone	$1680	$286
Operating a vehicle without permission	$1686	$281
Speeding 16 - 20 MPH over limit	$1686	$287
Improper passing	$1725	$287
Following too closely	$1731	$295
Passing school bus	$1803	$300
In 65 MPH zone	$1816	$309
Speeding 21 - 25 MPH over limit	$1876	$312
At-fault accident - $1000-$2000	$1927	$328
At-fault accident - greater than $2000	$1940	$323
Open container	$2169	$369
Reckless driving	$2542	$424
Leaving scene of an accident/hit and run	$2640	$449
DUI	$2660	$443
Refusal to submit to a chemical test	$2660	$452
Racing	$2666	$444
Driving with a suspended license	$2771	$471

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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 Smithville 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.

The cheapest car insurance premiums in Smithville are offered by Plymouth Rock at $778 for a six-month policy. However, it can be as expensive as $5678 with companies like Amica Mutual.

Smithville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$778	$131
NJM	$856	$144
Foremost	$882	$150
Progressive	$993	$167
Mercury	$1020	$174
New Jersey Manufacturers	$1098	$183
Selective	$1163	$198
Allstate	$1660	$279
Travelers	$1731	$292
State Farm	$5051	$850
Farmers	$5594	$952
Amica Mutual	$5678	$946

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 are offered by Plymouth Rock at $712. However, it can be as expensive as $2574 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Smithville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$712	$120
NJM	$902	$152
Progressive	$1020	$172
State Farm	$1444	$245
Allstate	$2182	$364
Travelers	$2294	$391
Farmers	$2574	$429

Car Insurance Price Trends in Smithville, New Jersey

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

The average cost of full coverage in the Smithville rose by $271 in December compared to $267 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Smithville rose to $95 in December, compared to $91 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Smithville?

The car insurance in Smithville is $65 per month, which is lower than the national average.

What is the cheapest car insurance in Smithville?

The cheapest car insurance in Smithville is $144 per month for full coverage.

How much is car insurance in Smithville for teenagers?

Car insurance for teenagers costs $589 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?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $208 per month to insure your car in Smithville.

Is car insurance expensive in Smithville?

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

Cheapest Car Insurance Quotes in Smithville

Why you can trust Way?

How Much Is Car Insurance in Smithville

Avg. Car Insurance in Smithville

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Smithville

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Smithville Car Insurance Rates by Company

Cheap Car Insurance Companies in Smithville, NJ

Way's key takeaways about car insurance in Smithville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Smithville

Cheapest Liability Coverage in Smithville, NJ

Cheapest Full Coverage Car Insurance in Smithville

Cheapest Full Coverage Car Insurance Quotes in Smithville, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Smithville by Rating Factor

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

Car Insurance Premiums by Age in Smithville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Smithville,NJ

If you are in your twenties NJM is the best choice for car insurance in Smithville.

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

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

Smithville Car Insurance Rates by Violation

Smithville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Smithville after a DUI

Smithville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Smithville after Speeding ticket

Car Insurance Price Trends in Smithville, New Jersey

Average Car Insurance Cost in Smithville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Smithville, NJ

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