Smyrna, Delaware Car Insurance (2025 Cheapest + Rankings)

We compare insurance rates for popular vehicles plus find the cars, pickups, and SUVs with cheap car insurance quotes in Smyrna, Delaware.

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How much does average car insurance cost in Smyrna?

Smyrna car insurance costs an average of $2,626 per year, which is 16.7% more than the overall U.S. national average rate of $2,221. The average cost of car insurance per month in Smyrna is $219 for full coverage.

In the state of Delaware, the average car insurance expense is $2,716 per year, so the cost in Smyrna averages $90 less per year. The average cost to insure a vehicle in Smyrna compared to other Delaware locations is around $112 per year cheaper than in Middletown, $108 per year more expensive than in Dover, and $354 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 – $9,355 per year or $780 per month
  • 17-year-old driver – $9,065 per year or $755 per month
  • 18-year-old driver – $8,124 per year or $677 per month
  • 19-year-old driver – $7,397 per year or $616 per month
  • 20-year-old driver – $5,286 per year or $441 per month
  • 30-year-old driver – $2,804 per year or $234 per month
  • 40-year-old driver – $2,626 per year or $219 per month
  • 50-year-old driver – $2,330 per year or $194 per month
  • 60-year-old driver – $2,180 per year or $182 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.

Average full-coverage car insurance premium in Smyrna, DE for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Smyrna, DE for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Smyrna, DE Zip Codes.

Average Car Insurance Cost in Smyrna, DE
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,474$373
$500$5,286$441
$250$6,146$512
30$1,000$2,352$196
$500$2,804$234
$250$3,276$273
40$1,000$2,208$184
$500$2,626$219
$250$3,060$255
50$1,000$1,968$164
$500$2,330$194
$250$2,702$225
60$1,000$1,844$154
$500$2,180$182
$250$2,530$211

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Smyrna, DE Zip Codes. Updated June 27, 2025

In the chart above, the cost of auto insurance in Smyrna ranges from $1,844 per year for a 60-year-old driver with a policy with high deductibles to $6,146 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 $154 to $512 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.

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.

Average cost to insure popular 2024 model year vehicles in Smyrna.
Figure 2: Average cost to insure popular 2024 model year vehicles in Smyrna. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Smyrna Zip Codes.

Smyrna, DE, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Honda CR-V$2,240$187
Honda Civic$2,324$194
Subaru Forester$2,340$195
Nissan Rogue$2,360$197
Toyota RAV4$2,424$202
Ford Ranger$2,510$209
Honda Accord$2,536$211
Honda Pilot$2,558$213
Toyota Tacoma$2,660$222
Toyota Camry$2,824$235
Chevrolet Silverado$2,904$242
Ford F150$2,942$245
Ram Truck$3,038$253
Chevrolet Corvette$3,638$303

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Smyrna, DE Zip Codes. Updated June 27, 2025

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 $6,255 to $9,355 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 $852 more per year for $250 physical damage deductibles versus $1,000.
  • Smyrna, Delaware, car insurance cost is more than the U.S. average – $2,626 (Smyrna average) compared to $2,221 (U.S. average)
  • Auto insurance gets cheaper the older you are – Rates for a 40-year-old driver in Smyrna are $2,660 per year cheaper than for a 20-year-old driver.
  • Teen girls pay less than teenage males – Teenage female drivers pay $1,142 to $615 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 $2,134 or less per year, or $178 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, Honda CR-V, 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 $191 or less per month.

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

Top 50 Cheapest Automobiles to Insure in Smyrna
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,942$162
2Chevrolet Trailblazer$1,974$165
3Kia Soul$2,050$171
4Nissan Kicks$2,068$172
5Honda Passport$2,092$174
6Buick Envision$2,106$176
7Toyota Corolla Cross$2,116$176
8Hyundai Venue$2,134$178
9Mazda CX-5$2,144$179
10Ford Bronco Sport$2,150$179
11Volkswagen Tiguan$2,176$181
12Acura RDX$2,198$183
13Nissan Murano$2,206$184
14Buick Encore$2,230$186
15Subaru Outback$2,238$187
16Honda CR-V$2,240$187
17Buick Envista$2,246$187
18Volkswagen Taos$2,252$188
19Kia Niro$2,262$189
20Toyota GR Corolla$2,282$190
21Honda HR-V$2,286$191
22Subaru Ascent$2,286$191
23Nissan Leaf$2,300$192
24Chevrolet Colorado$2,312$193
25Honda Civic$2,324$194
26Lexus NX 250$2,326$194
27Volkswagen Atlas$2,332$194
28Acura Integra$2,336$195
29Subaru Forester$2,340$195
30Volkswagen Atlas Cross Sport$2,342$195
31Kia Seltos$2,348$196
32GMC Terrain$2,352$196
33Nissan Rogue$2,360$197
34Hyundai Kona$2,366$197
35Mazda CX-30$2,370$198
36Cadillac XT4$2,372$198
37Ford Explorer$2,382$199
38Volkswagen ID4$2,382$199
39Toyota Highlander$2,388$199
40Ford Escape$2,396$200
41Honda Odyssey$2,400$200
42Toyota Venza$2,400$200
43Nissan Sentra$2,408$201
44Subaru Impreza$2,414$201
45Chevrolet Equinox$2,420$202
46Toyota RAV4$2,424$202
47Mazda MX-5 Miata$2,432$203
48Mazda MX-30$2,438$203
49Hyundai Tucson$2,442$204
50Chevrolet Traverse$2,452$204

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Smyrna, DE Zip Codes. Updated June 26, 2025

Top 50 cheapest vehicles to insure in Smyrna, DE with the Subaru Crosstrek ranking first at $1,942 per year
Top 50 cheapest vehicles to insure in Smyrna, DE with the Subaru Crosstrek ranking first at $1,942 per year

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.

Car insurance average cost by automotive segment in Smyrna, DE.
Figure 3: Car insurance average cost by automotive segment in Smyrna, DE. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Smyrna Zip Codes.

Car Insurance Rates by Automotive Segment in Smyrna, DE
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,412$201
Midsize SUV$2,594$216
Compact Car$2,594$216
Minivan$2,598$217
Midsize Pickup$2,652$221
Midsize Car$2,680$223
Compact Luxury SUV$2,848$237
Compact Luxury Car$2,890$241
Large SUV$2,900$242
Half-ton Pickup$2,910$243
Heavy Duty Pickup$3,020$252
Midsize Luxury SUV$3,120$260
Midsize Luxury Car$3,224$269
Sports Car$3,612$301
Large Car$3,780$315
Large Luxury SUV$4,066$339
Large Luxury Car$4,202$350

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Smyrna, DE Zip Codes. Updated June 27, 2025

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 $2,336 per year for full coverage insurance to the BMW M340i at $3,210 per year, a difference of $874 within that segment.

Also, in the large luxury SUV segment, the cost of insurance ranges from the Infiniti QX80 costing $2,944 per year up to the Mercedes-Benz G63 AMG costing $5,648 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 $2,282 to $2,414 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 $2,558 per year or less.

Additional models worth mentioning include the Toyota Crown, Kia Forte, Volkswagen Jetta, and Subaru Legacy, which cost between $2,558 and $2,716 to insure per year in Smyrna.

Auto insurance rates in this segment for the average driver starts at around $190 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 $2,282 per year and ending with the Mazda 3 at $2,716 per year.

Cheapest Cars to Insure in Smyrna, DE
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,282$190
Nissan LeafCompact$2,300$192
Honda CivicCompact$2,324$194
Nissan SentraCompact$2,408$201
Subaru ImprezaCompact$2,414$201
Toyota PriusCompact$2,454$205
Kia K5Midsize$2,532$211
Honda AccordMidsize$2,536$211
Chevrolet MalibuMidsize$2,548$212
Toyota CorollaCompact$2,558$213
Kia ForteCompact$2,566$214
Volkswagen ArteonMidsize$2,582$215
Nissan VersaCompact$2,590$216
Subaru LegacyMidsize$2,594$216
Hyundai Ioniq 6Midsize$2,614$218
Mitsubishi Mirage G4Compact$2,652$221
Volkswagen JettaCompact$2,656$221
Toyota CrownMidsize$2,658$222
Hyundai SonataMidsize$2,662$222
Mazda 3Compact$2,716$226

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Smyrna, DE Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Smyrna, DE, with the Toyota GR Corolla ranking first at $2,282 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Smyrna, DE, with the Toyota GR Corolla ranking first at $2,282 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 $174 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 $2,150 per year or less.

Additional vehicles that made the list include the Buick Encore, Honda CR-V, Volkswagen Tiguan, and Honda HR-V, which average between $2,150 and $2,286 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 $162 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 $1,942 per year ($162 per month) and ending with the Subaru Ascent at $2,286 per year ($191 per month).

Cheapest SUVs to Insure in Smyrna, DE
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,942$162
Chevrolet TrailblazerCompact$1,974$165
Kia SoulCompact$2,050$171
Nissan KicksCompact$2,068$172
Honda PassportMidsize$2,092$174
Buick EnvisionCompact$2,106$176
Toyota Corolla CrossCompact$2,116$176
Hyundai VenueCompact$2,134$178
Mazda CX-5Compact$2,144$179
Ford Bronco SportCompact$2,150$179
Volkswagen TiguanCompact$2,176$181
Nissan MuranoMidsize$2,206$184
Buick EncoreCompact$2,230$186
Subaru OutbackMidsize$2,238$187
Honda CR-VCompact$2,240$187
Buick EnvistaMidsize$2,246$187
Volkswagen TaosCompact$2,252$188
Kia NiroCompact$2,262$189
Honda HR-VCompact$2,286$191
Subaru AscentMidsize$2,286$191

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Smyrna, DE Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Smyrna, DE, with the Subaru Crosstrek ranking first at $1,942 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Smyrna, DE, with the Subaru Crosstrek ranking first at $1,942 per year.

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 $2,336 per year. Second place is the BMW 330i costing $2,676 per year, and the third most affordable is the Mercedes-Benz CLA250, at an average of $2,702 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 $2,762 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 $2,762 and $2,944 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 $195 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 $2,336 per year ($195 per month) and ending with the Audi S3 at $2,944 per year ($245 per month).

Cheapest Luxury Cars to Insure in Smyrna, DE
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,336$195
BMW 330iCompact$2,676$223
Mercedes-Benz CLA250Midsize$2,702$225
Lexus IS 300Midsize$2,706$226
Acura TLXCompact$2,718$227
Lexus ES 350Midsize$2,742$229
Cadillac CT4Compact$2,744$229
Genesis G70Compact$2,750$229
Mercedes-Benz AMG CLA35Midsize$2,754$230
Lexus RC 300Midsize$2,762$230
Lexus IS 350Compact$2,772$231
Jaguar XFMidsize$2,780$232
Cadillac CT5Midsize$2,832$236
Lexus ES 250Midsize$2,842$237
Lexus RC 350Compact$2,850$238
BMW 330eCompact$2,854$238
BMW 228iCompact$2,858$238
BMW 230iCompact$2,880$240
Lexus ES 300hMidsize$2,884$240
Audi S3Compact$2,944$245

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Smyrna, DE Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Smyrna, DE, with the Acura Integra ranking first at $2,336 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Smyrna, DE, with the Acura Integra ranking first at $2,336 per year.

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 $2,198 per year, the Lexus NX 250 at $2,326 per year, and the Cadillac XT4 at $2,372 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 $2,532 per year or less.

Auto insurance for this segment in Smyrna can cost as low as $183 per month, depending on your company and location.

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

Cheapest Luxury SUVs to Insure in Smyrna, DE
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,198$183
Lexus NX 250Compact$2,326$194
Cadillac XT4Compact$2,372$198
Jaguar E-PaceMidsize$2,456$205
Lexus NX 350hCompact$2,478$207
Cadillac XT5Midsize$2,480$207
Lincoln CorsairCompact$2,508$209
Mercedes-Benz GLB 250Compact$2,514$210
Lexus UX 250hCompact$2,518$210
Lexus NX 450hCompact$2,532$211
Infiniti QX50Midsize$2,552$213
Mercedes-Benz GLA250Compact$2,562$214
Mercedes-Benz GLA35 AMGCompact$2,570$214
Cadillac XT6Midsize$2,572$214
Infiniti QX60Midsize$2,584$215
Mercedes-Benz AMG GLB35Midsize$2,588$216
Land Rover EvoqueCompact$2,622$219
Acura MDXMidsize$2,628$219
Lexus NX 350Compact$2,634$220
Lexus RX 350Midsize$2,638$220

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Smyrna, DE Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Smyrna, DE, with the Acura RDX ranking first at $2,198 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Smyrna, DE, with the Acura RDX ranking first at $2,198 per year.

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 $2,312 per year, the Nissan Titan at $2,458 per year, and the Nissan Frontier at $2,482 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 $2,704 per year or less.

Auto insurance rates in this segment starts at an average of $193 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 $193 per month and ending with the Ram Truck at $253 per month.

Cheapest Pickups to Insure in Smyrna, DE
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,312$193
Nissan TitanFull-size$2,458$205
Nissan FrontierMidsize$2,482$207
Ford RangerMidsize$2,510$209
Ford MaverickMidsize$2,550$213
Honda RidgelineMidsize$2,608$217
Hyundai Santa CruzMidsize$2,652$221
Toyota TacomaMidsize$2,660$222
GMC Sierra 2500 HDHeavy Duty$2,672$223
GMC CanyonMidsize$2,704$225
Jeep GladiatorMidsize$2,768$231
GMC Sierra 3500Heavy Duty$2,782$232
Chevrolet Silverado HD 3500Heavy Duty$2,806$234
Chevrolet Silverado HD 2500Heavy Duty$2,884$240
GMC SierraFull-size$2,902$242
Chevrolet SilveradoFull-size$2,904$242
Nissan Titan XDHeavy Duty$2,906$242
Ford F150Full-size$2,942$245
GMC Hummer EV PickupFull-size$3,012$251
Ram TruckFull-size$3,038$253

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Smyrna, DE Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Smyrna, DE, with the Chevrolet Colorado ranking first at $2,312 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Smyrna, DE, with the Chevrolet Colorado ranking first at $2,312 per year.

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 $2,432 per year, Toyota GR86 at $2,768 per year, Ford Mustang at $2,886 per year, and BMW Z4 at $2,902 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 $3,142 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 $3,142 and $4,450 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 $203 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 $2,432 per year ($203 per month) and ending with the Porsche Taycan at $4,450 per year ($371 per month).

Cheapest Sports Cars to Insure in Smyrna, DE
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,432$203
Toyota GR86Sports Car$2,768$231
Ford MustangSports Car$2,886$241
BMW Z4Sports Car$2,902$242
Subaru WRXSports Car$2,948$246
Toyota GR SupraSports Car$2,952$246
BMW M2Sports Car$3,036$253
Nissan ZSports Car$3,044$254
Lexus RC FSports Car$3,104$259
Subaru BRZSports Car$3,142$262
BMW M3Sports Car$3,318$277
Porsche 718Sports Car$3,382$282
Chevrolet CamaroSports Car$3,414$285
Chevrolet CorvetteSports Car$3,638$303
Porsche 911Sports Car$3,766$314
BMW M4Sports Car$3,920$327
Lexus LC 500Sports Car$3,942$329
Jaguar F-TypeSports Car$4,146$346
Mercedes-Benz AMG GT53Sports Car$4,348$362
Porsche TaycanSports Car$4,450$371

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Smyrna, DE Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Smyrna, DE, with the Mazda MX-5 Miata ranking first at $2,432 per year.
Ranking of the cheapest sports cars to insure in Smyrna, DE, with the Mazda MX-5 Miata ranking first at $2,432 per year.

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 $2,494 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 $412 per year over a slightly lower credit rating between 670-739. Conversely, a subpar credit score could cost up to $478 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 $700 per year. Serious violations like DUI or reckless driving could raise rates by an additional $2,442 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 $442 per year on auto insurance.