Compare & Find Cheap Car Insurance in Smyrna (Jan 2025)

personal injury protection (PIP)

had the most helpful customer service departments.

Drivers in Smyrna rate various auto insurance companies on a scale of 0 to 5 in the table below.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
National General	4.7	4.8	N/A	4.7
State Farm	4.2	4.3	N/A	4.3
Progressive	4.2	3.4	N/A	4

Best cheap car insurance quotes in Smyrna

Delaware requires Smyrna drivers to carry both

liability car insurance

and

. After a car accident in which you were at fault, the former compensates any injured parties for bodily injuries and property damage.

As for the latter, it covers hospitalization and surgery for you and your passengers, regardless of who’s to blame.

However, when it comes to car accidents, the minimum coverage limits are seldom enough. The at-fault party is often responsible for (a potentially huge) out-of-pocket expense.

Cheap minimum liability insurance quotes in Smyrna

According to

Delaware car insurance laws

, the minimum coverage limits required for liability and PIP insurance are 25/50/10 and 15/30, respectively.

It’s illegal to carry any less than:

$25,000 of

bodily injury liability

coverage per person

$50,000 of bodily injury liability coverage per accident

$10,000 of

property damage liability

coverage per accident

$15,000 of PIP coverage per person

$30,000 of PIP coverage per accident

The minimum coverage tends to sell for the cheapest price. Here’s how much Smyrna car owners paid for a legally-compliant policy through Jerry:

Nelle (35 years old)

Coverage

State Minimum

Smyrna, DE
(Zip Code: 19977)

Acura MDX A-Spec

$153

per month

Martha (80 years old)

Coverage

State Minimum

Smyrna, DE
(Zip Code: 19977)

Delaware car accident laws

$125

per month

AAA

Ollie (50 years old)

Coverage

State Minimum

Smyrna, DE
(Zip Code: 19977)

Chevrolet Impala LTZ

$157

per month

National General

Dean (25 years old)

Coverage

State Minimum

Smyrna, DE
(Zip Code: 19977)

Nissan Versa S

$174

per month

Do you need more than minimum coverage in Smyrna?

Probably! Your car insurance policy only covers damages equal to or lower than your coverage limits, and the minimum coverage limits in Smyrna are quite low.

For example, when was the last time you saw a decent car for $10,000? If you damage another driver’s car beyond repair, the minimum requirements will probably leave you too underinsured to pay for its replacement. Plus,

say you can be sued in a personal injury lawsuit up to two years after the event.

The bottom line: Smyrna is densely-populated, so you should increase your liability and PIP coverage levels higher if you can.

Cheap full coverage car insurance quotes in Smyrna

Liability insurance coverage benefits other people, but

full-coverage car insurance

pays for repairs and replacements to your motor vehicle even if you’re at fault.

Typically, if you lease or buy a car with a loan, you’ll be required to carry full coverage car insurance.

A full-coverage insurance policy usually contains liability coverage,

collision coverage

, and

comprehensive coverage

. Collision coverage pays to repair or replace your car if you hit another motor vehicle or a stationary object—even if it’s your fault.

Comprehensive coverage pays the same benefits but for different reasons. If your car is vandalized, stolen, or has a tree branch dropped on the windshield, you’ll be glad to have it!

While full-coverage car insurance costs more than the bare minimum, you can bring your premiums back down with Jerry. Here are some of the best rates in Smyrna for complete peace of mind:

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$207	Dennis, 23 Zip: 19977	Infiniti G37
• State Minimum Liability • Comp / Collision	Nationwide	$125	Martha, 80 Zip: 19977	Ford Escape SE
• State Minimum Liability • Comp / Collision	AAA	$157	Ollie, 50 Zip: 19977	Chevrolet Impala LTZ

Last Updated Jan 28, 2025

Average cost of car insurance in Smyrna

If you live in Smyrna, you need to budget an average of $137 per month or $1,644 per year for minimum liability coverage. If you’d prefer a full-coverage insurance policy, you need to put aside about $218 per month or $2,615 per year.

Insurance coverage	Average insurance cost (monthly)	Average insurance cost (yearly)
State minimum coverage	$95	$1,140
Full coverage	$179	$2,142

What’s the lowest you can go? Insurance premiums for minimum liability coverage in Smyrna start at $137 per month, while full coverage policies start at about $218. If you’d like your rates to look more like these, make sure to compare plenty of car insurance quotes to find the right price.

Average cost of car insurance in Smyrna by zip code

Car insurance rates within the same city vary depending on where you live. Premiums tend to be more expensive in neighborhoods with a high rate of auto theft, car accidents, and high-risk factors.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
19977	$114	$182

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Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Car insurance quotes in Smyrna by rating factors

Sometimes it seems like

car insurance is calculated

using a set of random formulas, but it’s not. All these factors affect the premiums you pay in Smyrna:

Your age and demographics: New drivers, teen drivers, and senior drivers pay much higher premiums than the rest of the population.

Your driving record and claims history: Good driving records generally indicate good drivers, who pay lower rates.

Your parking spot: Unlike cities, where car accidents and crime cause millions of dollars in property damage, small towns enjoy lower rates.

Your motor vehicle: Cheaply-made cars that are cheap to repair are the most affordable to insure.

Your driving habits: Commuters are at a higher risk of getting into a car accident than stay-at-home workers and retirees, so they pay higher rates.

Your credit score: Those with good credit scores get the lowest rates, while those with poor credit scores get the highest.

How Do Different Factors Impact Your Car Insurance Costs in Smyrna?

Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.

Prohibited (or effectively prohibited): Delaware currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Smyrna:

Cheap car insurance quotes in Smyrna after driving violations

If you want to know why you’re paying so much for car insurance, start by looking at your

Delaware driving record

Driver violation points significantly affect your insurance rates and which auto insurance companies are willing to work with you. Serious traffic violations—like a

reckless driving charge in Delaware

or a DUI—are an especially tough sell.

Cheapest car insurance in Smyrna after speeding ticket

The total cost of a

Delaware speeding ticket

is calculated by the following formula:

First, you take the base fine ($20 for first offenses, $25 for repeats) and add the speed multiplier ($2 for every mph over the posted speed limit over five). Factor in the court costs, various funds, and the seatbelt assessment, and you’re still missing the biggest penalty: how much a speeding ticket affects your car insurance.

A speeding-related traffic ticket can add more than 20% to your annual premiums in Smyrna. Lower them by looking for an auto insurance provider that will reward you for taking a defensive driving course.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Nationwide	$61	Julia, 43 Zip: 19977	Buick Roadmaster	• 100,000/300,000 Liability
Speeding 6-10	Nationwide	$78	Cory, 42 Zip: 19977	Acura RDX	• 100,000/300,000 Liability • Comp / Collision

Last Updated Jan 26, 2025

Cheapest car insurance in Smyrna after DUI

Delaware's DUI laws

are tough, bundling a fine, jail sentence, driver’s license suspension, and SR-22 filing requirement with every conviction. A conviction remains on your driving record for five years, which only makes it harder to find affordable insurance rates in Smyrna.

You can save money by choosing an insurance provider with a variety of driver discounts. Pick a company, buy a new policy, or

cancel an old one

with Jerry, who’s helped lots of high-risk Smyrna drivers with DUIs find low rates.

reckless driving charges in Delaware

Juan (44 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Smyrna, DE
(Zip Code: 19977)

Suzuki Kizashi

$66

per month

Travelers

Jeffrey (32 years old)

Coverage

State Minimum

Smyrna, DE
(Zip Code: 19977)

Suzuki Samurai

$70

per month

Cheapest car insurance in Smyrna after an at-fault accident

A clean

Delaware driving record

makes it easy to find lower rates in Smyrna, but if you’ve already made a few mistakes, don’t worry. High-risk drivers found savings after their at-fault accident with Jerry’s help.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With No Injury	Progressive	$121	Gary, 29 Zip: 19977	Mazda CX-5 Preferred	• State Minimum Liability • Comp / Collision
Not At Fault	AAA	$432	Ruby, 25 Zip: 19977	Honda Accord Sport	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Nationwide	$125	Beatrice, 80 Zip: 19977	Ford Escape SE	• State Minimum Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheapest car insurance in Smyrna after other driving violations

If you’ve been hit with speeding, DUI, or

, bringing your rates back down might seem impossible. However, there’s still one thing you can do to find affordable rates in Smyrna—turn to a licensed insurance broker!

A broker helps find the right coverage and price for every situation. Provided you’re looking in the right place (hint: try the App Store!), you can benefit from their advice for next to nothing.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Illegal Turn	Allstate	$55	Gary, 32 Zip: 19977	Isuzu Ascender	• State Minimum Liability
Defective Equipment	Nationwide	$61	Rebecca, 36 Zip: 19977	Mitsubishi Eclipse	• State Minimum Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheap car insurance quotes in Smyrna by age

When you're a teen driver, your car insurance rates are high. The same goes for when you’re a senior driver. But between those two ages (25-75) is the magic sweet spot for annual premiums.

Cheapest car insurance in Smyrna for young drivers

Since teen drivers between the ages of 16 and 19 are the most likely age group to be involved in a car accident, it's hard for them to find affordable insurance rates. New drivers and young drivers face similar challenges.

No driving history? No problem! Look for Smyrna insurance companies that make learning affordable with driver discounts. You can find

cheap car insurance for new drivers

(and full coverage that pays for fixes regardless of fault) with a quote comparison app.

best car insurance for seniors

Dennis (23 years old)

Coverage

State Minimum

Smyrna, DE
(Zip Code: 19977)

Infiniti G37

$207

per month

Cheapest car insurance in Smyrna for senior drivers

Despite their experience, older drivers usually suffer vision and hearing loss as they age. They're also more likely to suffer severe injuries in a car accident.

The

comes from companies that serve older adults and retirees. If you're looking for affordable plans while you spend your golden years in Smyrna, Jerry's expert customer service team can assist you.

Martha (80 years old)

Coverage

State Minimum

Smyrna, DE
(Zip Code: 19977)

A lapse in your car insurance history

$125

per month

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

They quoted me an excellent price for car insurance after I had been a non driver and non insured person for 13 years.

Max

Fast and friendly service!

Carlisa

Good!

Rayma

I saved over $100 by switching!!!! I recommend it to all my family & friends.

Alexa

Cheap car insurance quotes in Smyrna based on insurance history

can make it difficult to find cheap rates in Smyrna. Almost all providers consider even a short period of time spent uninsured as high-risk behavior.

If you’d like to start building up a positive insurance history, sign up for Jerry’s automatic reminders. Not only will you be notified before you miss a payment date, but you’ll also receive an annual cost comparison when it’s time to renew.

Genevieve (23 years old)

Currently Insured

Coverage

State Minimum

Smyrna, DE
(Zip Code: 19977)

Infiniti G37

$207

per month

AAA

Rosie (50 years old)

Currently Insured

Coverage

State Minimum

Smyrna, DE
(Zip Code: 19977)

Chevrolet Impala LTZ

$157

per month

Dollie (80 years old)

Currently Insured

Coverage

State Minimum

Smyrna, DE
(Zip Code: 19977)

$125

per month

National General

Hunter (23 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Smyrna, DE
(Zip Code: 19977)

Infiniti G37

$357

per month

Jesse (80 years old)

Currently Insured

Coverage

State Minimum

Smyrna, DE
(Zip Code: 19977)

the most expensive cars to insure

$125

per month

Cheap car insurance quotes in Smyrna for drivers with poor credit

Your credit score affects your car insurance rates because it tells insurance companies whether or not you have a history of paying your bills on time. Insurance providers typically offer lower rates to customers with good credit.

Smyrna drivers with a credit score of 550 or less can find a company willing to insure them through Jerry.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
660 - 750	Progressive	$112	Lloyd, 45 Zip: 19977	Toyota Camry L	• State Minimum Liability • Comp / Collision
660 - 750	Progressive	$112	Susie, 45 Zip: 19977	Toyota Camry L	• State Minimum Liability • Comp / Collision
550 - 659	AAA	$432	Aiden, 25 Zip: 19977	Honda Accord Sport	• State Minimum Liability • Comp / Collision
< 550	Progressive	$121	Florence, 29 Zip: 19977	Mazda CX-5 Preferred	• State Minimum Liability • Comp / Collision

Last Updated Jan 28, 2025

Cheap car insurance quotes in Smyrna for popular cars

Although carbon-fiber inlays and quilted leather seating look nice, they’re expensive to repair. That’s why sports cars, luxury SUVs, and special-edition coupes are among

If you want to save money, find a vehicle with low repair costs, a good security system, and excellent safety ratings. Most Smyrna drivers consider these five models the best in all three categories:

MORE:

How different kinds of cars affect your car insurance rates

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Infiniti G37	Progressive	$207	Genevieve, 23 Zip: 19977	• State Minimum Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheapest car insurance in Smyrna for new vs. old car

It’s usually more expensive to insure a new car than an older one. In Smyrna, the average cost to insure a car older than 10 years is $218 per month. By contrast, the average cost of insuring a car less than four years old is $218 per month.

2006 Chevrolet Impala LTZ

Dennis (23 years old)

2012 Infiniti G37

Coverage

State Minimum

Smyrna, DE
(Zip Code: 19977)

$207

per month

AAA

Ollie (50 years old)

Coverage

State Minimum

Smyrna, DE
(Zip Code: 19977)

$157

per month

shopping for car insurance quotes

Martha (80 years old)

2017 Ford Escape SE

Coverage

State Minimum

Smyrna, DE
(Zip Code: 19977)

$125

per month

How to lower car insurance costs in Smyrna

1. Shop around and compare quotes

Insurance companies have different rules for setting premiums, and those rules change all the time! Experts recommend

from at least three companies every six months to make sure you're getting the best deal.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

MORE:

How do I get multiple car insurance quotes at once

Compare car insurance quotes now

2. Hunt for car insurance discounts

Car insurance discounts

can transform an average rate into a stupendous deal. Call your provider and ask if they offer discounts for:

Good drivers. If you’ve held a

clean driving record

for at least three years, you’re due for some sweet discounts.

Installing a telematics device. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!

Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.

Bundling insurance products.

Bundle your car and home insurance

and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

You can keep protection and lower your monthly payments by reducing the deductible on your comprehensive insurance policy.

MORE:

How to choose a car insurance deductible

FAQ

How much is car- insurance in Smyrna?

People living in Smyrna pay on average $137 per month – or $1,644 per year – on state-minimum liability coverage. Full coverage in Smyrna costs on average $218 per month of $2,615 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Smyrna?

Based on thousands of Smyrna drivers Jerry has worked with, car insurance in Smyrna costs an average of $137 per month for state-minimum coverage and $218 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Smyrna?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.

Allstate

Geico

, and