Skip to main content

Delaware Car Insurance

Delaware may be small, but it's packed with diverse attractions and destinations that make driving around the state a delightful experience.

Before hitting the road for a scenic drive along the Delaware Coastal Highway or immersing yourself in the rich history of Delaware's sites, you want to know you’re covered by a reliable insurance policy. Knowing that you're protected in the event of unforeseen accidents can give you peace of mind while driving.

Amica offers customized Delaware car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don't settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote that meets your unique coverage needs.

Understanding Delaware's auto insurance minimums

In Delaware, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $10,000 per accident

Bodily injury liability coverage: This coverage protects you financially from claims of bodily injury that you're responsible for causing to someone else in an auto accident. This can include things such as medical expenses, pain and suffering and lost wages. Your policy may also pay legal defense costs to defend you if you're sued. Coverage is subject to limitations and exclusions.

Property damage liability coverage: This is coverage for damage to someone else's property that you're responsible for causing in an auto accident. It can apply to the damage of the other person's vehicle as well as to other damaged property, such as fences or other structures. Your policy may also pay legal defense costs to defend you if you're sued. Coverage is subject to limitations and exclusions.

In addition to the minimum liability coverage requirements, Delaware mandates coverages for uninsured motorist bodily injury, uninsured motorist property damage and personal injury protection (PIP), with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Uninsured Motorist Property Damage Coverage:
    • $10,000
  • Personal Injury Protection (PIP):
    • $15,000 per person
    • $30,000 per accident

Uninsured/underinsured motorist bodily injury coverage: Provides protection if you're injured in an accident caused by a driver who’s uninsured or doesn't have enough coverage to pay for your medical bills and other expenses.

Uninsured motorist property damage coverage: Helps protect your vehicle if it’s damaged in an accident caused by an uninsured driver or by a hit-and-run driver who cannot be identified.

Personal injury protection (PIP): Coverage for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of fault. This includes necessary medical bills, lost wages, funeral expenses and loss of services.

It's important to understand that these are just the minimum requirements, and Delaware drivers may choose higher coverage limits for added protection. 

Additional Delaware car insurance coverage

Opting for additional auto insurance coverage beyond Delaware-mandated minimums can provide invaluable protection in various scenarios. It's not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Delaware drivers might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it's damaged in a collision with another vehicle or object.
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto/loan lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it's totaled in a covered accident.
  • Towing and labor coverage: 24/7 roadside assistance for various issues like changing flat tires, jumping dead batteries, towing your car, unlocking car doors, and getting your car unstuck from mud.
  • Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows, and other auto glass, without a deductible.

How Delaware auto insurance rates are determined

There are several factors that impact auto insurance in Delaware, including individual circumstances, geographical location, weather patterns and more. Here are points to consider:

  • Driving history: Individual driving records are pivotal in determining insurance premiums. Drivers with a history of accidents or traffic violations typically face higher rates, whereas those with clean records enjoy lower premiums.
  • Coverage options and limits: Opting for the minimum state-required coverage in Delaware tends to be more affordable, whereas adding optional coverages with higher limits increases premiums.
  • Vehicle type: Factors such as safety ratings, repair costs and the likelihood of theft contribute to premium calculations and can influence insurance rates in Delaware.
  • Claims in Delaware: Insurance rates may be affected by the frequency and severity of claims filed within the state. Higher rates of accidents, theft or other incidents could lead to increased premiums for all drivers in Delaware.

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Maximize savings on Delaware car insurance with discounts

Amica offers various auto insurance discounts to help Delaware policyholders save money on their premiums. Here are some ways to save:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Passive restraints: If your car is equipped with passive restraints, like airbags, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Delaware policy premium up front.

If you're a Delaware driver in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 30% with a multiline discount.

Facts and figures about Delaware

Fun facts about Delaware:

  • Delaware is one of five states in the U.S. with no sales tax.2
  • Delaware Bay is home to a large population of horseshoe crabs, which led to it becoming the official state marine animal.2
  • With over 50% of publicly traded companies in the U.S. incorporated in Delaware, there are more businesses than people.2

Facts about driving in Delaware:

  • Law requires new residents to receive a Delaware driver’s license within 60 days of becoming a resident.3
  • The Office of Highway Safety has three locations throughout the state where you can have your car seat fitted for free.3
  • Using handheld devices while driving is prohibited in Delaware for all drivers.3

How to get car insurance in Delaware

We’re here to guide you through the process of personalizing your car insurance in Delaware. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Delaware drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Delaware drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 9 Incredible, Almost Unbelievable Facts About Delaware
3 Delaware 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.

This inclusion of non-Amica companies, products, services or statement herein (“Third-Party Content”) is for general informational purposes only and does not constitute a recommendation or endorsement by Amica Insurance. Policies, views, opinions or positions of Third-Party Content expressed herein are those of the authors and do not necessarily reflect the policies, views, opinions or positions of Amica Insurance. Amica Insurance makes no warranties, express or implies, as to the accuracy and reliability of Third-Party Content.

This content may contain helpful tips, explanation and advice. Your use of this information is voluntary and may not be effective in every circumstance. Amica encourages you to use good judgement and put safety first.

For more information on our editorial process and content standard, take a look at our editorial guidelines.