Delaware is different from most states because it is a no-fault state.  This means that each drivers’ insurance pays for their own cars, no matter whose fault the accident was.  It is also unique because Delaware requires drivers to carry a certain amount of PIP, or personal injury protection, insurance as well.  PIP insurance is intended to assist with the costs of missing wages, medical expenses,  and/or death benefits for the family and funeral expenses in the event that the insured is involved in an accident that results in injury or death.  Comprehensive and collision insurance are not required in Delaware but are highly recommended.

Q: “What is the minimum amount of auto insurance coverage that I need in Delaware?”

Liability policies cover expenses for which a driver is deemed responsible in case of an accident.  The minimum liability coverage in Delaware is $15,000 for single occupant driver, $30,000 for more than one occupant, and $10,000 for property damages.  This is also seen as 15/30/10 on insurance policies.  Its important to note that these are minimum amounts, and Delaware drivers are urged to carry more since they are responsible for any amount of damage they cause in excess of their car insurance coverage.  You will also need the minimum amount of PIP coverage, which is $15,000 for single occupant and $30,000 for multiple parties.

Compare Delaware Car Insurance Rates Online

Delaware’s insurance rates are in the top ten most expensive in the nation.  Since rates are so high, its important to shop around for quotes.  At autoinsurancebystate.com you can get multiple quotes from the top auto insurance companies just by putting your zip code in.  In less than two minutes you can apply online and get instant quotes.  Just point and click!

Current Providers in Delaware

For More Information

Delaware Department of Insurance
841 Silver Lake Blvd.
Dover, DE 19904
Phone: (302) 674-7300