Delaware car insurance

Whether you're commuting over the Delaware Memorial Bridge or driving on the Lewes Byway, it's important to know Delaware car insurance laws to make sure you have the coverage you need. Learn more about coverage options, Delaware auto insurance requirements, and extra ways to save on car insurance in the First State.

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What are Delaware's minimum auto insurance requirements?

Drivers in Delaware are required to have auto liability coverage (BI liability and PD liability) and personal injury protection (PIP) at the following minimum car insurance limits:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to others in an accidentMinimum amount $25,000 per person
$50,000 per accident
Property damage liabilityWhat it coversDamage you cause to other people's property in an accidentMinimum amount $10,000 per accident
Personal Injury Protection (PIP)What it coversYour medical costs due to an accident, plus lost wages, and death benefits, regardless of who's at faultMinimum amount $15,000 per person
$30,000 per accident

Delaware also requires insurers to offer uninsured/underinsured (UM/UIM) bodily injury and property damage coverage with the following limits, though you may reject or lower these coverages via a signed form if you do not want them.

CoverageWhat it coversMinimum amount
UM/UIM bodily injury What it coversYour medical expenses an uninsured or underinsured driver causesMinimum amount$25,000 per person
$50,000 per accident
UM/UIM property damageWhat it coversDamage to your property an uninsured or underinsured driver causesMinimum amount$10,000 per accident

While these are Delaware's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Delaware a no-fault state?

No. Delaware is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Delaware?

The average cost of a six-month liability-only policy in a higher-cost state like Delaware is $157.27 per month.* Several factors can impact car insurance cost, including the limits and coverages you choose, your driving history, and your ZIP code.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average. Get an auto insurance quote today.

What is the best car insurance in Delaware?

Finding the best car insurance in Delaware means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Delaware get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**

If you're looking for the cheapest car insurance in Delaware, here's how much drivers countrywide who save after switching to Progressive save on average compared to their previous auto insurer:

  • GEICO customers who switch and save with Progressive save $740 on average§

How do I lower my car insurance cost in Delaware?

To lower your car insurance cost in Delaware, you may qualify for the following discounts through Progressive:

  • Homeowner
  • Continuous insurance
  • At-fault accident-free 
  • Online quote
  • Electronic Funds Transfer (EFT) 
  • Five-year accident-free
  • Three-year safe driving 
  • Paperless
  • Electronic signature 
  • Multi-car

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Delaware is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Delaware's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator, to find which ones are recommended for you.

Delaware driving resources

From Wilmington to Dover, get to know Delaware's driving laws and resources. These resources apply to Newark, Middletown, and everywhere in between. Local municipalities may have additional laws and resources.

How to get car insurance in Delaware

Go online

Customize your policy's coverages, limits, and deductibles.

Get a car insurance quote

Call us

Talk to a licensed representative who will guide you through every step of the process.

Call 1-866-749-7436

Ask an agent

Get expert advice from an independent agent near you.

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Quote car insurance online or give us a call

Learn more about car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.