Delaware Auto Insurance Guide
From coastal highways and beach traffic to suburban commutes and local errands, Delaware drivers face a range of road conditions that can affect how much protection makes sense.
When comparing Delaware insurance options, understand the state's required limits, whether Delaware follows no-fault rules and how optional coverages like collision, comprehensive and rental reimbursement may fit your needs.
What auto insurance is required?
In Delaware, drivers must carry minimum auto insurance limits before legally driving. These limits help cover bodily injuries and property damage you may cause to others, along with certain injuries and damage involving uninsured drivers and PIP benefits.
Delaware minimum liability coverage limits
| Coverage type | Minimum limit in Delaware | What it helps cover |
|---|---|---|
| Bodily injury liability | $25,000 per person, $50,000 per accident or $60,000 combined single limit | Injuries you cause to others in a covered accident |
| Property damage liability | $10,000 per accident or $60,000 combined single limit | Damage you cause to another person’s vehicle or property |
| Uninsured/underinsured motorist bodily injury | $25,000 per person, $50,000 per accident or $60,000 combined single limit | Injury-related damages if the at-fault driver has no insurance or not enough coverage |
| Uninsured motorist property damage | $10,000 | Damage to your vehicle caused by an uninsured driver |
| Personal injury protection (PIP) | $15,000 per person, $30,000 per accident | Medical expenses and certain related losses regardless of fault |
Bodily injury liability coverage may help pay for another person’s medical expenses, lost wages and certain legal costs if you’re responsible for a covered accident.
These are starting points, not necessarily the amount of protection every driver needs. Many Delaware households choose higher liability limits for added financial protection. For more planning help, find out how much car insurance you may need
Additional coverages to consider
State minimum limits may not be enough for every situation. Many drivers look at optional coverage to help protect their own car, manage transportation needs after a loss or reduce large out-of-pocket expenses.
| Coverage | Required in Delaware? | Why it matters |
|---|---|---|
| Collision coverage | No | Helps pay for damage to your car after a covered collision regardless of fault |
| Comprehensive coverage | No | Helps with certain non-collision losses like theft, vandalism or falling objects |
| Rental reimbursement | No | Helps with temporary transportation while your vehicle is being repaired after a covered loss |
| Roadside assistance | No | Can help with towing, battery issues, flat tires and lockouts |
The right amount of car insurance in Delaware depends on your vehicle value, driving habits and tolerance for risk. State minimums may satisfy the legal requirement, but higher limits may offer more meaningful financial protection if you cause a serious accident. Drivers who lease or finance a car may also need collision and comprehensive coverage.
It can also help to think about how much liability protection you’d want if you caused injuries or damage that exceeded the minimum required limits. If you have assets you want to protect, you may want to review higher liability limits and, in some cases, personal umbrella insurance.
How Delaware drivers can customize coverage
After reviewing required and optional coverages, many Delaware drivers compare how much protection they want against what they’re comfortable paying. YourPlan lets you review coverage approaches based on what drivers often choose, then adjust from there to best fit your car needs and budget.
- Essential May appeal to drivers looking for foundational protection without many added features.
- Advantage May be a better fit if you want more flexibility and support for situations like roadside issues or broader vehicle protection.
- Signature May suit drivers who want broader protection and fewer potential coverage gaps.
If you want to compare quotes more carefully, exploring how to compare quotes can help you look beyond price alone.
What affects car insurance rates in Delaware?
Delaware auto insurance rates can vary based on factors such as your driving history, vehicle type, selected coverages, location and claims trends in your area.
- Driving history: Accidents and violations may increase rates, while a cleaner record may help lower them.
- Coverage limits: Higher limits and optional coverages usually cost more but may provide stronger protection.
- Vehicle type: Repair costs, theft risk and safety features can all play a role.
- Local claim patterns: Areas with more frequent or severe claims may see higher rates overall.
Save more with discounts
Amica offers various auto insurance discounts that may help lower premiums for eligible Delaware drivers.1
- Family-related discounts: Young driver training and good student discounts may be available for qualifying households.
- Driving-related discounts: Claim-free history and approved defensive driver training may help some drivers save.
- Vehicle equipment discounts: Certain safety systems like forward-collision warning or adaptive headlights may qualify.
- Payment-related discounts: AutoPay, paperless delivery and paying in full may also help eligible policyholders reduce costs.
To explore your options, find out about auto insurance discounts and bundling opportunities.
Facts about driving in Delaware
- Delaware law requires new residents to receive a Delaware driver’s license within 60 days of becoming a resident.2
- The Office of Highway Safety has three locations throughout the state where you can have your car seat fitted for free.2
- Using handheld devices while driving is prohibited in Delaware for all drivers.2
How to get auto insurance in Delaware
If you’re ready to compare options, here’s a simple way to approach the process:
- Review your coverage needs: Start with Delaware’s required liability limits, then think about whether you want higher limits or optional protections for your vehicle, medical costs or roadside issues.
- Look for savings opportunities: Eligible discounts, bundling and payment options may all affect your final premium.
- Get a quote: You can get a quote online or call 800-242-6422 to speak with a representative.
Taking a little extra time to compare limits, deductibles and optional coverages can help you build a car insurance policy that best matches how and where you drive.
Get an auto insurance quote today
FAQs about car insurance in Delaware
Delaware requires bodily injury liability, property damage liability, uninsured motorist bodily injury, uninsured motorist property damage and personal injury protection coverage. Minimum limits apply to each required coverage type.
Delaware requires personal injury protection, so it is generally considered a no-fault state for certain injury-related costs. Your own PIP coverage may help pay for certain medical expenses regardless of fault.
Delaware’s minimum liability limits are $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 per accident for property damage.
Average cost can vary widely based on your driving history, vehicle, ZIP code, coverage choices and other rating factors. The best way to estimate cost is to compare quote options based on your own situation.
Many drivers choose more than the state minimums to help protect savings and future income if they cause a serious accident. The right amount depends on your budget, assets, vehicle value and comfort with risk.
If you’re ready to review Delaware auto insurance, start by comparing the coverage you need, the optional protections you want and the limits that fit your finances. You can also explore Amica’s auto insurance product page for a broader overview.
1Discounts not available in all states and may vary.
2Delaware Driver Manual
Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.
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