Delaware Car Insurance Requirements (2024)
Delaware car insurance regulations require that all drivers maintain an up-to-date insurance policy for all registered vehicles, even if they are not actively being driven. Delaware auto insurance law requires motorists to comply with their tort law insurance system but is a bit unique as it’s one of the only states operating under tort insurance law to require PIP coverage.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Dec 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Delaware Car Insurance Regulations & Required Coverage: Understanding the insurance regulations and coverage requirements in Delaware is crucial for all drivers. This comprehensive article provides valuable information on Delaware’s car insurance laws, including the mandatory liability coverage limits, unique tort system, and the requirement for Personal Injury Protection (PIP) coverage.
We also cover additional insurance options such as uninsured/underinsured coverage, comprehensive and collision coverage, and rental reimbursement. To ensure you have the best coverage at competitive rates, enter your zip code now and compare quotes from top insurance providers in Delaware. Don’t miss out on the opportunity to protect yourself and your vehicle while saving money.
Read more: Delaware Car Insurance Discounts
Required Coverage
All personal vehicles in Delaware require the following liability coverage requirements:
- Bodily Injury
- Property Damage
Additionally, all policies must also include the following:
- Personal Injury Protection (PIP)
| Minimum Delaware Car Insurance Requirements | |||
|---|---|---|---|
| Bodily Injury Liability | $15,000 / $30,000 Limit | ||
| Property Damage Liability | $10,000 Limit | ||
| Personal Injury Protection | $15,000 / $30,000 Limit | ||
Delaware is a bit unique as it’s one of the only states operating under tort insurance law to require PIP coverage. This covers up to $15,000 for medical expenses and lost wages to any one person in a single accident and up to $30,000 to all people involved in a single accident with no more than $15,000 for each person. This also includes up to $5,000 for funeral expenses.
Additional insurance coverage can include:
- Uninsured / Underinsured Coverage
- Comprehensive and Collision Coverage
- Towing and Labor Coverage
- Rental Reimbursement Coverage
Uninsured or underinsured coverage will pay for expenses incurred by being in an accident with another driver who is not insured or does not have enough insurance to pay for the related costs. Even though it’s illegal to drive in Delaware without car insurance, there are still people that do and if the driver is insured, they still may not have enough coverage to pay for all damages.
Comprehensive coverage pays for the cost of repairing your vehicle after a non-collision related incident such as hail or fire damage. Collision will pay for repair and replacement costs for your vehicle for accidents. If your vehicle is on the list of most stolen vehicles in Delaware, you should strongly consider having this coverage.
Towing and labor will cover expenses related to towing your car if you need roadside assistance or after an accident.
Rental reimbursement coverage pays the cost to rent a temporary vehicle or for other transportation costs if your primary vehicle is being repaired or in the process of being replaced.
Proof of Insurance and Financial Responsibility
Establishing proof of insurance and financial responsibility
- Get a standard liability car insurance policy
Required Documentation
In order to provide proof of insurance, you can provide one of the following:
- Insurance ID Card
- Insurance Policy
You must maintain proof of insurance and financial responsibility and present it:
- When asked by a police officer
- If being audited by the DMV
- After an accident
- Anytime you are operating a vehicle
Failure to Maintain Financial Responsibility Penalties
If you cancel your insurance coverage and do not notify the DMV of new coverage, you can face the following penalties:
- Fines of up to $1,500 for a first offense and $3,000 for additional offenses within 3 years of a previous offense
- Your driver’s license will be suspended for 6 months
Delaware Insurance Agents
Wilmington Car Insurance | Dover Car Insurance | Newark Car Insurance | Bear Car Insurance | Odessa Car Insurance | Rehoboth Beach Car Insurance
Frequently Asked Questions
What are the minimum car insurance requirements in Delaware?
In Delaware, drivers are required to have liability coverage of at least 25/50/10, which means $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage per accident.
Is it mandatory to have uninsured motorist coverage in Delaware?
Yes, uninsured motorist coverage is required in Delaware. The minimum coverage limits are the same as the liability coverage requirements (25/50/10).
What other types of car insurance coverage are available in Delaware?
In addition to liability and uninsured motorist coverage, Delaware drivers can also purchase collision coverage, which pays for damage to your vehicle in the event of an accident, regardless of who was at fault. Comprehensive coverage, which covers damage to your vehicle from things like theft, vandalism, or natural disasters, is also available.
What factors affect car insurance rates in Delaware?
Car insurance rates in Delaware are influenced by a variety of factors, including your driving record, age, gender, marital status, location, type of vehicle, and the amount of coverage you choose.
What happens if I drive without car insurance in Delaware?
Driving without car insurance in Delaware can result in fines, license suspension, and even legal action. Additionally, if you cause an accident while driving without insurance, you could be personally liable for the damages and injuries sustained by the other driver(s) and passengers.
Can I use my out-of-state car insurance policy in Delaware?
If you’re a non-resident driver in Delaware, your out-of-state car insurance policy may provide coverage while you’re driving in the state. However, it’s a good idea to check with your insurance provider to make sure that your policy meets Delaware’s minimum coverage requirements.
How can I find affordable car insurance in Delaware?
To find affordable car insurance in Delaware, you can shop around and compare quotes from different insurance providers. You may also be eligible for discounts based on factors like your driving record, age, and the type of vehicle you drive.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.