Smyrna, Delaware Car Insurance (2025 Cheapest + Rankings)

• Average Smyrna car insurance cost is $2,672 per year, or about $223 per month.
• Monthly auto insurance rates for a few popular models in Smyrna include the Hyundai Elantra at $242, Toyota Corolla at $217, and Nissan Rogue at $200.
• Small SUV models like the Honda CR-V, Hyundai Venue, and Kia Soul get the nod for cheap car insurance in Smyrna.
• A few vehicles with segment-leading auto insurance rates include the Nissan Titan at $2,498 per year, Kia K5 at $2,570 per year, Acura Integra at $2,374 per year, and Jaguar E-Pace at $2,498 per year.
• Car insurance quotes in Smyrna can vary significantly from as little as $37 per month for just liability insurance to over $667 per month for accident or violation prone drivers.

How much does average car insurance cost in Smyrna?

Smyrna car insurance costs an average of $2,672 per year, which is 16% more than the overall U.S. national average rate of $2,276. The average cost of car insurance per month in Smyrna is $223 for full coverage.

In the state of Delaware, the average car insurance expense is $2,756 per year, so the cost in Smyrna averages $84 less per year. The average cost to insure a vehicle in Smyrna compared to other Delaware locations is around $110 per year cheaper than in Middletown, $110 per year more expensive than in Dover, and $348 per year less than in Wilmington.

The age of the driver influences the price you pay for car insurance. The list below details how driver age influences cost by breaking down average car insurance rates for different driver ages.

Car insurance cost in Smyrna for drivers age 16 to 60

• 16-year-old driver – $9,513 per year or $793 per month
• 17-year-old driver – $9,215 per year or $768 per month
• 18-year-old driver – $8,261 per year or $688 per month
• 19-year-old driver – $7,521 per year or $627 per month
• 20-year-old driver – $5,374 per year or $448 per month
• 30-year-old driver – $2,848 per year or $237 per month
• 40-year-old driver – $2,672 per year or $223 per month
• 50-year-old driver – $2,368 per year or $197 per month
• 60-year-old driver – $2,216 per year or $185 per month

The next chart shows average car insurance rates in Smyrna, DE, for 2024 model year vehicles not only by driver age, but also by physical damage coverage deductibles.

In the chart above, the cost of auto insurance in Smyrna ranges from $1,874 per year for a 60-year-old driver with a policy with high deductibles to $6,248 per year for a 20-year-old driver with a low deductible. From a monthly budget standpoint, the average cost in the chart above ranges from $156 to $521 per month.

Smyrna auto insurance rates are extremely variable and seemingly inconsequential changes in a driver’s risk profile can cause considerable changes in car insurance premiums. Since there is so much rate volatility, this stresses the need for accurate free car insurance quotes when trying to find the cheapest car insurance.

Popular vehicles and the cost to insure them

The previously discussed auto insurance rates are the average cost across all 2024 model year vehicles, which is handy for making big picture comparisons such as the average cost difference by driver age or location. Average car insurance rates are great for answering questions like “is auto insurance in Smyrna cheaper than Newark?” or “are Delaware auto insurance rates cheaper than in Florida?”.

But for more in-depth rate comparisons, it makes sense to analyze the exact vehicle being insured. Every car, truck, SUV and minivan has it’s own exposure profile for calculating how much car insurance costs and this data allows us to perform detailed insurance cost comparisons.

The chart below displays average auto insurance rates for the more popular vehicles in Smyrna and surrounding areas. Later on, there is a section that examines auto insurance rates for a few of these models in more detail.

The most popular models in Smyrna tend to be compact and midsize cars like the Hyundai Elantra and Nissan Altima and small or midsize SUVs like the Chevy Equinox, Ford Escape, and Subaru Outback.

Other popular models from other segments include luxury cars like the Lexus ES 350, Acura ILX, and Tesla Model S, luxury SUVs like the Lexus RX 350, Acura MDX, and Infiniti QX60, and pickup trucks like the Toyota Tacoma, Ford F-150, and Ford Ranger.

We cover rates for lots more vehicles coming up in the article, but before we do that, let’s take a quick look at the key concepts that were covered so far.

• Auto insurance for a teenager gets very expensive – Average cost can range from $6,360 to $9,513 per year for car insurance for teens in Smyrna.
• Auto insurance with low deductibles costs more – A 40-year-old driver pays an average of $868 more per year for $250 physical damage deductibles versus $1,000.
• Smyrna, Delaware, car insurance cost is more than the U.S. average – $2,672 (Smyrna average) compared to $2,276 (U.S. average)
• Auto insurance gets cheaper the older you are – Rates for a 40-year-old driver in Smyrna are $2,702 per year cheaper than for a 20-year-old driver.
• Teen girls pay less than teenage males – Teenage female drivers pay $1,161 to $623 less per year than their male counterparts.

What are the cheapest car insurance rates in Smyrna, DE?

The vehicles with the lowest cost average insurance rates in Smyrna tend to be crossover SUVs like the Kia Soul, Subaru Crosstrek, and Buick Envision.

Average auto insurance rates for those crossover SUVs cost $2,168 or less per year, or $181 per month, for a policy with full coverage.

Examples of other models that rank in the top 20 in our car insurance price comparison are the Kia Niro, Volkswagen Tiguan, Subaru Outback, and Volkswagen Taos. The average insurance cost is a little higher for those models than the compact SUVs and crossovers at the top of the list, but they still have an average insurance cost of $193 or less per month.

The next table lists the top 50 cheapest vehicles to insure in Smyrna, ordered starting with the cheapest.

A table showing 50 of the cheapest vehicles to insure in Smyrna is great if you just want the lowest rates. A more efficient way to group and rank rates for more vehicles is to break them out by segment.

The section below showcases the cost of auto insurance based on automotive segment. The rates shown in the chart will provide a good foundation of the general vehicle types that have the overall best Smyrna car insurance rates. Then the six sections following the chart rank the models with the most affordable car insurance for the most popular segments.

Average car insurance rates by segment

If a different vehicle is in your future, it’s useful to have an idea of which categories of vehicles have more affordable auto insurance rates. To illustrate this, maybe you want to know if SUVs cost less to insure than minivans or if luxury models are more expensive to insure than regular vehicles.

The chart below shows the average auto insurance cost in Smyrna for each automotive segment. From a segment comparison perspective, compact and midsize SUVs, vans, and midsize pickups have the least expensive rates, with high-performance exotic models having the highest average cost to insure.

Average auto insurance rates by segment are practical for general comparisons, but insurance rates for specific models range substantially within each segment listed above.

For example, in the small luxury car segment, average Smyrna car insurance rates range from the Acura Integra costing $2,374 per year for full coverage insurance to the BMW M340i at $3,260 per year, a difference of $886 within that segment.

Also, in the large luxury SUV segment, the cost of insurance ranges from the Infiniti QX80 costing $2,996 per year up to the Mercedes-Benz G63 AMG costing $5,738 per year.

In the following sections, we eliminate a lot of this variability by analyzing the cost of auto insurance in Smyrna at a model level.

Cheapest car insurance rates in Smyrna, Delaware

In our comparison, the top five cheapest sedans and hatchbacks to insure in Smyrna are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Rates for for these five models range from $2,320 to $2,452 per year.

Also ranking well in our comparison are models like the Honda Accord, Toyota Prius, Toyota Corolla, and Chevrolet Malibu, with average insurance cost of $2,602 per year or less.

Additional models worth mentioning include the Volkswagen Jetta, Kia Forte, Toyota Crown, and Subaru Legacy, which cost between $2,602 and $2,760 to insure per year in Smyrna.

Auto insurance rates in this segment for the average driver starts at around $193 per month, depending on where you live and the company you use. The table below ranks the twenty cars with the most affordable insurance in Smyrna, starting with the Toyota GR Corolla at $2,320 per year and ending with the Mazda 3 at $2,760 per year.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Don’t see rates for your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Smyrna car insurance quotes from top-rated car insurance companies in Delaware.

Cheap SUVs to insure in Smyrna, DE

Ranking highest for the lowest-cost Smyrna car insurance rates in the SUV segment (excluding luxury models) are the Kia Soul, Honda Passport, Subaru Crosstrek, Chevrolet Trailblazer, and Nissan Kicks. Auto insurance rates for these 2024 models average $177 or less per month.

Some other SUVs that have affordable insurance rates include the Hyundai Venue, Buick Envision, Toyota Corolla Cross, and Mazda CX-5, with average insurance cost of $2,188 per year or less.

Additional vehicles that made the list include the Buick Encore, Subaru Outback, Volkswagen Tiguan, and Honda HR-V, which average between $2,188 and $2,322 per year to insure in Smyrna.

Full-coverage insurance for this segment in Smyrna for an average middle-age driver starts at an average of $164 per month, depending on the company and where you live.

The table below ranks the twenty SUVs with the most affordable auto insurance rates in Smyrna, starting with the Subaru Crosstrek at $1,972 per year ($164 per month) and ending with the Subaru Ascent at $2,322 per year ($194 per month).

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Don’t see your vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Smyrna car insurance quotes from top companies in Delaware.

Luxury cars with cheap insurance rates

The #1 ranking in Smyrna for cheapest average insurance rates in the luxury car segment is the Acura Integra, costing $2,374 per year. Second place is the BMW 330i costing $2,720 per year, and the third most affordable is the Mercedes-Benz CLA250, at an average of $2,748 per year.

Also ranking well in our comparison are models like the Lexus RC 300, Genesis G70, Lexus ES 350, and Mercedes-Benz AMG CLA35, with an average cost to insure of $2,808 per year or less.

Ranked in the lower half of the top 20, models like the BMW 330e, Lexus IS 350, Cadillac CT5, Jaguar XF, BMW 230i, and Lexus ES 250 cost between $2,808 and $2,996 per year to insure.

From a cost per month standpoint, full-coverage insurance on this segment in Smyrna for an average middle-age driver starts at an average of $198 per month, depending on your location. The rate comparison table below ranks the cars with the cheapest insurance in Smyrna, starting with the Acura Integra at $2,374 per year ($198 per month) and ending with the Audi S3 at $2,996 per year ($250 per month).

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see your luxury car in the list? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Delaware.

Cheap luxury SUV insurance rates

The top three luxury SUV models with the cheapest car insurance in Smyrna are the Acura RDX at $2,232 per year, the Lexus NX 250 at $2,362 per year, and the Cadillac XT4 at $2,412 per year.

Also ranking in the top 10 are SUVs like the Lexus UX 250h, Lincoln Corsair, Mercedes-Benz GLB 250, and Lexus NX 350h, with average cost of $2,574 per year or less.

Auto insurance for this segment in Smyrna can cost as low as $186 per month, depending on your company and location.

The table below ranks the luxury SUVs with the cheapest insurance in Smyrna.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Need rates for a different luxury SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Smyrna car insurance quotes from top-rated companies in Delaware.

Pickup trucks with cheap auto insurance

The top three pickups with the cheapest car insurance in Smyrna are the Chevrolet Colorado at $2,354 per year, the Nissan Titan at $2,498 per year, and the Nissan Frontier at $2,526 per year.

Some other pickups that are affordable to insure are the Honda Ridgeline, GMC Sierra 2500 HD, GMC Canyon, and Hyundai Santa Cruz, with an average cost to insure of $2,746 per year or less.

Auto insurance rates in this segment starts at an average of $196 per month, depending on the company and where you live. The next table ranks the pickups with the lowest-cost average auto insurance rates in Smyrna, starting with the Chevrolet Colorado at $196 per month and ending with the Ram Truck at $257 per month.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Looking for rates for a different pickup? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Smyrna car insurance quotes from top companies in Delaware.

Sports cars with cheap insurance rates

The top four sports cars with the cheapest auto insurance rates in Smyrna are the Mazda MX-5 Miata at $2,472 per year, Toyota GR86 at $2,814 per year, Ford Mustang at $2,934 per year, and BMW Z4 at $2,948 per year.

Also ranking well are models like the Toyota GR Supra, Lexus RC F, BMW M2, and Subaru BRZ, with average insurance cost of $3,194 per year or less.

Some additional vehicles that make the list include the Mercedes-Benz AMG GT53, Chevrolet Corvette, Porsche 911, and Lexus LC 500, which cost between $3,194 and $4,520 per year for auto insurance in Smyrna.

From a cost per month standpoint, car insurance rates on this segment in Smyrna can cost as low as $206 per month, depending on where you live.

The next table ranks the sports cars with the lowest-cost auto insurance rates in Smyrna, starting with the Mazda MX-5 Miata at $2,472 per year ($206 per month) and ending with the Porsche Taycan at $4,520 per year ($377 per month).

Looking for rates for a different vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Delaware.

Best practices for saving money on car insurance

Smart drivers in Smyrna should always be looking to reduce the monthly expense for auto insurance, so study the money-saving ideas in this next list and see if you can save a few dollars on your next renewal or new policy.

• Choose a vehicle that is cheaper to insure. The make and model of vehicle you drive has a significant impact on the cost of insurance. For example, a Kia Sportage costs $2,534 less per year to insure in Smyrna than a Audi R8. Lower performance vehicles save money.
• Excellent credit scores get the best rates. Drivers who maintain a credit score over 800 could save around $420 per year over a slightly lower credit rating between 670-739. Conversely, a subpar credit score could cost up to $486 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Don’t be dumb behind the wheel. In order to have cheap auto insurance in Smyrna, it’s necessary to avoid traffic tickets. As a matter of fact, just a couple minor infractions on your motor vehicle report have the consequences of increasing insurance policy rates by up to $710 per year. Serious violations like DUI or reckless driving could raise rates by an additional $2,478 or more.
• Shop your coverage around. Setting aside a few minutes before every renewal to get some free car insurance quotes is the best way to save money. Rates change more often that you might think and you can switch anytime.
• Policy discounts save money. Savings may be available if the policyholders work in certain occupations, are good students, are military or federal employees, insure multiple vehicles on the same policy, drive a vehicle with safety or anti-theft features, or many other discounts which could save the average Smyrna driver as much as $454 per year on auto insurance.