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Finding the cheapest car insurance quotes in Smyrna 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 Smyrna
The car insurance rate in Smyrna is $1296 for a six-month policy, which is $68 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $768, making it a popular choice for budget-conscious drivers. Rates in Smyrna 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 $768 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $982 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Cal Casualty
Cal Casualty offers auto insurance
rates at $1016
for six months, making it
the third cheapest auto insurance company in Smyrna.
Smyrna Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Smyrna, DE is Travelers, offering policies at just $768 for a six-month term. This is followed by USAA, which has an average six-month premium of $982.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2269 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Smyrna drivers find the best deals.
The auto insurance costs in Smyrna fall around $768 for six
months.
The cheapest auto insurance company in Smyrna is Travelers.
Teen drivers pay the highest rate in Smyrna at $1567 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 Smyrna
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 Smyrna are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Smyrna. Their Average 6 Month Premium is $299.
Encompass is the most
expensive at $559 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 Smyrna is Travelers
at $129 per month and $768
for six months.
Cheapest Full Coverage Car Insurance Quotes in Smyrna,
DE
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 Smyrna, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Smyrna, Delaware, may be increasing due to several external factors.
Delaware has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Smyrna's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Smyrna
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
Smyrna,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Smyrna at $360
per
month. At $9401 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Smyrna.
As young drivers face the highest rates in Smyrna, 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 Smyrna,
Progressive is
the cheapest car insurance provider. At $1281 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
Smyrna is Sentry, offering
rates of around $4774 for six
months.
Save up to $971/yr on car insurance rates in Smyrna.
Car Insurance Rates with An Accident in Smyrna
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 Smyrna, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Smyrna
The cheapest car insurance companies after an at-fault accident in
Smyrna include USAA
and California Casualty, offering $700
and $739,
respectively. Sentry is an expensive provider
with an average six-month premium of
$6320.
Here is a list of driving violations that can increase your car
insurance rates in Smyrna DE. For example, the car
insurance in Smyrna
after a DUI increases to $1039 for a six
month policy. While the rate increases by $266 for a six-month policy in the case of
a speeding ticket.
Smyrna auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1207
$201
One Med/PIP claim
$1207
$205
Two Med/PIP claims
$1236
$206
One comp claim
$1247
$212
Not-at-fault accident
$1270
$212
Two comp claims
$1281
$218
Failure to show documents
$1377
$230
Driving with expired registration
$1439
$245
Failure to wear a seat belt
$1439
$239
Child safety restraint
$1456
$248
Driving without lights
$1456
$242
Speeding 11 - 15 MPH over limit
$1473
$251
Speeding 6 - 10 MPH over limit
$1473
$245
Driving too slowly
$1484
$253
Speeding in school zone
$1484
$247
Cell phone violation
$1490
$254
Following too closely
$1490
$248
Speeding 16 - 20 MPH over limit
$1490
$254
Texting while driving
$1490
$248
At-fault accident - less than $1000
$1507
$257
Failure to stop at a red light
$1507
$251
Failure to yield
$1507
$257
Illegal turn
$1507
$251
Improper passing
$1507
$257
Wrong way/wrong lane
$1507
$251
Speeding 21 - 25 MPH over limit
$1524
$259
Passing school bus
$1547
$257
Open container
$1637
$278
At-fault accident - $1000-$2000
$1664
$277
At-fault accident - greater than $2000
$1682
$286
In 65 MPH zone
$1693
$282
Operating a vehicle without permission
$1727
$294
Reckless driving
$2178
$363
Refusal to submit to a chemical test
$2229
$379
Driving with a suspended license
$2240
$373
DUI
$2246
$382
Racing
$2274
$379
Leaving scene of an accident/hit and run
$2347
$399
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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 Smyrna 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 Smyrna.
The cheapest car insurance premiums in
Smyrna are
offered by Progressive at $1242 for a six-month policy.
However, it can be as
expensive as $4893 with companies
like Sentry.
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 Smyrna are offered by American Family
at $620. However,
it can be as expensive as $6981
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Smyrna after Speeding ticket
Car insurance rates in Smyrna have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Smyrna rose by
$382 in January
compared to $312 of December. In other words, there has been an increase by $70 when you
compare January and December.
The average cost of liability insurance in the Smyrna dipped to $75 in January,
compared to $85 in December.
This represents an decrease of $10
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Smyrna. At $2591 for a
six-month policy, insuring
your car at 19977 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 Smyrna?
The car insurance in Smyrna is $50 per month, which is lower than the national average.
What is the cheapest car insurance in Smyrna?
The cheapest car insurance in Smyrna
is $129 per month
for full coverage.
How much is car insurance in Smyrna for teenagers?
Car insurance for teenagers costs $2138 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
Smyrna?
The average cost of car insurance is $1364 for a six-month
policy. It will cost around $218 per month to insure your
car in Smyrna.
Is car insurance expensive in Smyrna?
Car insurance can be expensive in Smyrna if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Smyrna can be
affordable.
What is the best car insurance in Smyrna,
DE?
The best car insurance company in Smyrna
DE is
Travelers, offering $768 for a
six-month policy.
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Smyrna Car Insurance
