Cheapest Car Insurance Quotes in Smithfield

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Smithfield Car Insurance

^$ 31

/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 Smithfield

The car insurance rate in Smithfield is $982 for a six-month policy, which is $10 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $750, making it a popular choice for budget-conscious drivers. Rates in Smithfield 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 Smithfield

$982

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Smithfield

1st place: USAA

At $750 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $822 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $846 for six months, making it the third cheapest auto insurance company in Smithfield.

Smithfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Smithfield, WV is USAA, offering policies at just $750 for a six-month term. This is followed by Erie, which has an average six-month premium of $822.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1446 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Smithfield drivers find the best deals.

Cheap Car Insurance Companies in Smithfield, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$750	$126
Erie	$822	$138
Westfield	$846	$142
Encompass	$936	$160
State Farm	$936	$158
Progressive	$1002	$169
Nationwide	$1116	$186
Allstate	$1446	$243

Key Takeaways

Way's key takeaways about car insurance in Smithfield

The auto insurance costs in Smithfield fall around $750 for six months.
The cheapest auto insurance company in Smithfield is USAA.
Teen drivers pay the highest rate in Smithfield at $830 per month.

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Cheapest Minimum Liability Car Insurance in Smithfield

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 Smithfield are given below.

USAA provides the cheapest minimum car insurance coverage in Smithfield. Their Average 6 Month Premium is $186. Allstate is the most expensive at $540 for the same period.

Cheapest Liability Coverage in Smithfield, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$186	$31
Westfield	$186	$31
Erie	$204	$34
State Farm	$264	$44
Encompass	$282	$47
Nationwide	$492	$84
Progressive	$522	$87
Allstate	$540	$92

Cheapest Full Coverage Car Insurance in Smithfield

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 Smithfield is USAA at $126 per month and $750 for six months.

Cheapest Full Coverage Car Insurance Quotes in Smithfield, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$750	$126
Erie	$822	$138
Westfield	$846	$142
Encompass	$936	$160
State Farm	$936	$158
Progressive	$1002	$169
Nationwide	$1116	$186
Allstate	$1446	$243

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Average Car Insurance in Smithfield 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 Smithfield, WV increasing?

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

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

Car Insurance Premiums by Age in Smithfield

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

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Cheapest Car Insurance Rates for Teen Drivers in Smithfield,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Smithfield at $180 per month. At $4932 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$1068	$180
Erie	$1086	$183
USAA	$1308	$220
State Farm	$1674	$282
Progressive	$3618	$609
Nationwide	$4314	$733
Allstate	$4932	$830

Teen Car Insurance Rates in WV by Age

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 Smithfield, Westfield is the cheapest car insurance provider. At $653 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 Smithfield is State Farm, offering rates of around $3198 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$653	$110
USAA	$1128	$188
Progressive	$1512	$258
Nationwide	$1524	$254
Erie	$1572	$268
Allstate	$2159	$360
State Farm	$3198	$543

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Car Insurance Rates with An Accident in Smithfield

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 Smithfield, WV, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Smithfield include Encompass and Erie, offering $372 and $648, respectively. Allstate is an expensive provider with an average six-month premium of $2063.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$372	$62
Erie	$648	$109
Westfield	$690	$116
USAA	$732	$123
State Farm	$780	$131
Progressive	$1716	$289
Nationwide	$1794	$299
Allstate	$2063	$347

Smithfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Smithfield WV. For example, the car insurance in Smithfield after a DUI increases to $804 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

Smithfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1038	$173
One Med/PIP claim	$1038	$177
One comp claim	$1074	$179
Not-at-fault accident	$1080	$184
Two Med/PIP claims	$1086	$181
Two comp claims	$1140	$194
Failure to wear a seat belt	$1164	$194
Failure to show documents	$1182	$201
Driving without lights	$1194	$199
Cell phone violation	$1230	$209
Texting while driving	$1230	$205
Speeding 6 - 10 MPH over limit	$1236	$210
Driving with expired registration	$1242	$207
Driving too slowly	$1248	$212
Failure to stop at a red light	$1248	$208
Following too closely	$1248	$212
Illegal turn	$1248	$208
Improper passing	$1248	$212
Speeding 11 - 15 MPH over limit	$1248	$208
Speeding in school zone	$1248	$212
Wrong way/wrong lane	$1248	$208
Failure to yield	$1253	$213
Speeding 16 - 20 MPH over limit	$1253	$209
In 65 MPH zone	$1259	$214
Speeding 21 - 25 MPH over limit	$1259	$210
Passing school bus	$1290	$219
Child safety restraint	$1296	$216
Operating a vehicle without permission	$1296	$220
At-fault accident - less than $1000	$1392	$232
Open container	$1404	$238
At-fault accident - $1000-$2000	$1512	$251
At-fault accident - greater than $2000	$1512	$258
Driving with a suspended license	$1661	$277
Reckless driving	$1728	$294
DUI	$1842	$307
Refusal to submit to a chemical test	$1842	$313
Racing	$1848	$308
Leaving scene of an accident/hit and run	$1853	$315

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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 Smithfield 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 Smithfield.

The cheapest car insurance premiums in Smithfield are offered by Erie at $924 for a six-month policy. However, it can be as expensive as $2238 with companies like Nationwide.

Smithfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$924	$156
State Farm	$1044	$176
USAA	$1080	$182
Progressive	$1151	$194
Westfield	$1320	$222
Allstate	$1944	$327
Nationwide	$2238	$373

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 Smithfield are offered by Westfield at $462. However, it can be as expensive as $1446 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Smithfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$462	$78
Erie	$510	$86
State Farm	$558	$94
USAA	$690	$115
Progressive	$1146	$195
Allstate	$1434	$239
Nationwide	$1446	$245

Car Insurance Price Trends in Smithfield, West Virginia

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

The average cost of full coverage in the Smithfield remained steady at $196 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Smithfield rose to $46 in December, compared to $45 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 Smithfield?

The car insurance in Smithfield is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Smithfield?

The cheapest car insurance in Smithfield is $126 per month for full coverage.

How much is car insurance in Smithfield for teenagers?

Car insurance for teenagers costs $1068 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 Smithfield?

The average cost of car insurance is $972 for a six-month policy. It will cost around $165 per month to insure your car in Smithfield.

Is car insurance expensive in Smithfield?

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

Cheapest Car Insurance Quotes in Smithfield

Why you can trust Way?

How Much Is Car Insurance in Smithfield

Avg. Car Insurance in Smithfield

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Smithfield

1st place: USAA

2nd place: Erie

3rd place: Westfield

Smithfield Car Insurance Rates by Company

Cheap Car Insurance Companies in Smithfield, WV

Way's key takeaways about car insurance in Smithfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Smithfield

Cheapest Liability Coverage in Smithfield, WV

Cheapest Full Coverage Car Insurance in Smithfield

Cheapest Full Coverage Car Insurance Quotes in Smithfield, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Smithfield by Rating Factor

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

Car Insurance Premiums by Age in Smithfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Smithfield,WV

If you are in your twenties N/A is the best choice for car insurance in Smithfield.

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 Smithfield

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

Smithfield Car Insurance Rates by Violation

Smithfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Smithfield after a DUI

Smithfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Smithfield after Speeding ticket

Car Insurance Price Trends in Smithfield, West Virginia

Average Car Insurance Cost in Smithfield by ZIP Code

Frequently Asked Questions

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