Car Insurance in Smyrna, DE

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Enjoying the Drive in Growing Smyrna

Whether catching a flight at Smyrna Airport, spending an afternoon at Sherwood Park or taking the kids to Sunnyside Elementary School, there's always somewhere to go in Smyrna. This expanding city has grown by almost 4,000 since 2010. More people means more drivers on the roads, making auto insurance quite valuable. You can shop for your optimal policy with VIU by HUB. Compare quotes from several companies and find the portfolio that matches your requirements.

You can take a DART bus in and out of Smyrna, but getting around the city may require taxis or ride-hailing services. Many people rely on personal vehicles. Almost 83% of Smyrna employees drive their cars to work, while 9.8% carpool. A reliable insurance policy helps protect your commute.

Traffic in Smyrna

Rush hour in Smyrna can get congested, especially on Glenwood Avenue, US-13 and Smyrna Clayton Boulevard. Heavy traffic increases the chance of accidents. Fortunately, good car insurance in Smyrna, DE, can cover expenses if you have a fender-bender.

Risks Smyrna Drivers Face

Most drives go smoothly, but some hazards exist. In 2021, New Castle County had 16,739 crashes. and Kent County had 4,585 crashes. The reasons vary.

Driver Distraction or Recklessness

You can't control what other drivers do. Crashes sometimes happen because drivers are inattentive or fatigued. Other times, motorists behave recklessly or disregard traffic laws.


While the national average for annual rainfall is 38 inches, Smyrna averages 45 inches annually. Rain can make it difficult to see oncoming cars and traffic signs. Sudden, heavy rain can leave large puddles or cause flooding on roadways, causing some areas to be dangerous or inaccessible to traffic.

Snow and Ice

Smyrna gets about 15 inches of snow annually. Snow can make roads slick and hazardous; even after they've been cleared, the snow can refreeze. Drivers have reduced visibility in falling snow.

Icy roads can be quite dangerous. Steering and braking are difficult. Ice can form when melting snow refreezes and creates sheets of invisible or "black" ice.

Animals in the Roadway

In 2021, 1,774 crashes resulted from animals in the road. Car-animal accidents usually happen with little or no warning. October and November are particularly hazardous months; deer often roam during mating season.

The Cost of Car Insurance in Smyrna, DE

Smyrna drivers pay an average of $117 monthly for a standard auto insurance policy. This amount is lower than the state average. Your policy may vary from the average for many reasons:

  • Age: Younger drivers pay higher premiums due to increased accident risk.
  • Driving record: Previous claims or infractions raise insurance rates.
  • Location: The crime rates in your area and where you park your car influence premiums.
  • Marital status: Insurers assess married couples as less of an insurance risk. Couples may also get a discount for insuring multiple vehicles.

Insurance companies may also consider your credit score when setting rates.

What Your Policy Covers

A Delaware auto insurance policy includes a minimum of:

  • Bodily injury liability: $25,000 per person and $50,000 per accident
  • Property damage liability: $10,000 per accident
  • Personal Injury Protection: $15,000 per person and $30,000 per accident

Many drivers elect comprehensive, collision and uninsured motorist coverages.

Shop Smart for Car Insurance With VIU by HUB

Buying car insurance in Smyrna, DE, is efficient with VIU by HUB. You can compare various insurance companies and prices in one place and choose the policy that fits your needs. Save time and money by shopping with VIU by HUB.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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