Smithville drivers pay an average of $1,817/year — $46 more than the national average. With 132 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $257/year.
(888) 217-6781Estimated full coverage auto insurance rates for Smithville, MO from top carriers. Rates are adjusted for Smithville's 132 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $691 | $115/mo |
| Shelter Insurance | $750 | $125/mo |
| Progressive | $776 | $129/mo |
| State Farm | $851 | $142/mo |
| Allstate | $1,032 | $172/mo |
Estimates based on 2026 rate filings for ZIP 64089. GEICO is cheapest at ~$115/mo. Actual rates vary by driver profile and exact Smithville location.
These Smithville-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Smithville, MO. Takes under 2 minutes.
(888) 217-6781Smithville is a smaller city in Missouri with a population of 10,406. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as tornadoes, severe thunderstorms, flooding, ice storms, hail, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Smithville.
For official Missouri insurance regulations, visit the Missouri Department of Commerce and Insurance. For driver licensing, see the Missouri DOR Motor Vehicle.
Your specific ZIP code within Smithville can swing your premium by hundreds of dollars. Here's how rates compare across Smithville neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 64101 | Smithville South Side | $1,732/yr | $144/mo |
| 64090 | Smithville North Side | $1,759/yr | $147/mo |
| 64101 | Smithville West Side | $1,774/yr | $148/mo |
| 64099 | Smithville East Side | $1,867/yr | $156/mo |
| 64089 | Smithville Downtown/Central | $1,995/yr | $166/mo |
The cheapest ZIP is 64101 (Smithville South Side) at $1,732/yr. The most expensive is 64089 (Smithville Downtown/Central) at $1,995/yr — a $263/year difference for the same driver.
Your Smithville ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Smithville. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,816/yr | $318/mo | +110% vs avg |
| Young Adult (20-25) | $2,544/yr | $212/mo | +40% vs avg |
| Adult (26-35) | $1,817/yr | $151/mo | 0% vs avg |
| Mid-Career (36-50) | $1,599/yr | $133/mo | -12% vs avg |
| Senior (51-65) | $1,508/yr | $126/mo | -17% vs avg |
| 65+ | $1,617/yr | $135/mo | -11% vs avg |
Teens in Smithville pay an average of $3,816/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,508/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Missouri cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Smithville drivers can save up to $257/year. ZIP 64101 (Smithville South Side) has the lowest rates starting at $1,732/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes