Does Delaware have minimum car insurance requirements?
Yes. If you're a resident of Delaware, you are legally required to carry liability coverage limits of at least:
- $25,000 in bodily injury per person
- $50,000 in total bodily injury per accident
- $10,000 in property damage per accident
Delaware also mandates personal injury protection (PIP) with the following minimum limits:
- PIP: $15,000
PIP covers medical costs, plus lost wages and death benefits, and you'll receive a payout even if you're at fault.
These are the minimum coverages for Delaware drivers, but there are many other optional coverages to choose from. You might also want to consider choosing higher liability limits to fully protect your assets. Learn more about liability insurance.
Consider comprehensive and collision coverage
Most lenders require comprehensive and collision coverage if you're financing or leasing your vehicle. But even if you own your vehicle outright, these coverages may be worth adding if your vehicle was a significant investment. With comprehensive and collision, you're covered for damage to your vehicle if you're hit by another car, a tree limb falls on it, or if more unexpected scenarios occur.
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How much is car insurance in Delaware?
In 2017, Delaware drivers had a higher average expenditure for auto insurance than most other states, according to data from the Insurance Information Institute. Individual rates vary based on several factors, including the limits and coverages you choose, your driving history, and ZIP code.
Are there discounts available for car insurance in Delaware?
Absolutely! We offer a variety of discounts to Delaware drivers, including:
- At-fault accident-free
- Electronic Funds Transfer (EFT)
- Three-year safe driving
- Electronic signature
- Continuous insurance
- Online quote
- Five-year accident-free
Fast facts about Delaware's roadways:
The Delaware Turnpike was among the country's most expensive toll roads in 2018, costing drivers 29 cents per mile. If you travel this roadway regularly, you may want to consider carpooling.
According to SafeWise, Delaware is the strictest enforcer of distracted driving in the nation based on the number of tickets issued for texting or using a cell phone while driving.
How to get a car insurance quote in Delaware
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