Delaware Minimum Coverage Car Insurance: Requirements and Costs (2024)


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ByMark Fitzpatrick
Reviewed byMark Friedlander
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ByMark Fitzpatrick
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Reviewed byMark Friedlander
Edited byLukas Velunta
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Updated: May 20, 2024

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Delaware requires drivers to carry minimum car insurance coverage, which includes $25,000 per person and $50,000 per accident for bodily injury liability, as well as $10,000 for property damage liability. Personal injury protection (PIP) is mandatory, with minimums set at $15,000 per person and $30,000 per accident. Unlike some states, Delaware follows an at-fault system, which means the driver responsible for an accident is required to cover the damages.

On average, the monthly cost for state minimum car insurance in Delaware is $85. For drivers seeking the cheapest car insurance in Delaware, compare rates keeping in mind that price can be impacted by numerous factors including age, driving history and vehicle type. Full details on minimum car insurance requirements can help you make an informed decision about your coverage.

Why Trust MoneyGeek? MoneyGeek analyzed data from Quadrant Information Services and the Delaware department of insurance to give you the most accurate cost data for a range of Delaware drivers.

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These rates reflect the cost of minimum coverage car insurance requirements in Delaware as of June 2024.

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Delaware Minimum Coverage Car Insurance Requirements

In Delaware, drivers are required to have minimum coverage auto insurance to legally drive a vehicle. This includes:

  • $25,000 for bodily injury liability per person.
  • $50,000 for bodily injury liability per accident.
  • $10,000 for property damage liability per accident.
  • $15,000 personal injury protection (PIP) per person.
  • $30,000 personal injury protection (PIP) per accident.

Delaware is an at-fault state, which means that the insurance of the driver who caused an accident pays for damages. The at-fault driver's insurance typically covers property damage and medical expenses for those injured in the accident.

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ARE COLLISION AND COMPREHENSIVE COVERAGE REQUIRED IN DELAWARE?

Delaware does not require drivers to carry collision or comprehensive insurance as part of the state minimum coverage. But if you're financing or leasing a vehicle, your lender will likely mandate both types of coverage to protect their investment from damage and theft. This requirement ensures the car remains in good condition and retains its value until you've paid off your loan or lease.

What Liability Insurance Covers
What Liability Insurance Doesn't Cover

Injuries to others if you are at fault in an accident

Your injuries

Damage to another person’s property if you are at fault in an accident

Damages to your car

Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy

Property damage caused by uninsured/underinsured drivers unless additional coverage is purchased

Repairs for weather-related accidents or if you were hit by an animal

The table reflects Delaware's state minimum car insurance requirements, including bodily injury and property damage coverage. Remember, your individual policy's terms define the precise coverage details.

Average Cost of Minimum Coverage Car Insurance in Delaware

When determining the cost of minimum coverage car insurance rates, age stands out as a key factor. In Delaware, drivers aged 22 to 29 face the highest premiums due to their relative inexperience on the road.

The table illustrates the average minimum coverage insurance costs in Delaware for different age groups.

22-29Annual Premium$1,164Monthly Premium$97
30-59Annual Premium$1,017Monthly Premium$85
60 +Annual Premium$965Monthly Premium$80

Cheapest Companies for Minimum Coverage Car Insurance in Delaware

In Delaware, budget-conscious drivers can find the most affordable minimum coverage auto insurance with the following providers:

  • Travelers: $464 per year; $39 per month
  • State Farm: $784 per year; $65 per month

Choosing the right car insurance important even when your priority is finding the most affordable rates. Your coverage should not only meet Delaware's state minimum requirements but also align with your specific needs. Evaluate your options among the best car insurance providers in Delaware.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
TravelersAnnual Premium$464Monthly Premium$39
State FarmAnnual Premium$784Monthly Premium$65
GEICOAnnual Premium$800Monthly Premium$67
ProgressiveAnnual Premium$931Monthly Premium$78
American FamilyAnnual Premium$1,316Monthly Premium$110
AllstateAnnual Premium$1,364Monthly Premium$114
DairylandAnnual Premium$2,998Monthly Premium$250

Optional Add-On Coverages in Delaware

Delaware offers a range of optional add-on coverages, including comprehensive, collision, uninsured/underinsured motorist protection, rental reimbursement and roadside assistance. These add-ons can cover costs arising from theft, collisions and roadside emergencies, enhancing your financial protection. Determining how much car insurance you need can provide peace of mind and safeguard against unexpected events.

Add-On Coverage
What It Covers
What It Doesn't Cover

Uninsured/Underinsured Motorist Coverage

Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance.

Damage to your vehicle if you are at fault or damages that exceed policy limits.

Personal Injury Protection (PIP)

Medical expenses, lost income and funeral costs for you or your passengers regardless of who's at fault.

Vehicle damage or injuries to the other driver.

Roadside Assistance

Services like towing, flat tire changes and jump-starts when your car breaks down.

Cost of parts or repairs needed after the tow.

Gap Insurance

Pays the difference between your car's current value and what you still owe if it's totaled or stolen.

Vehicle depreciation or overdue loan payments.

Rental Car Reimbursement

The cost of a rental car while your vehicle is being repaired after a covered event.

Fuel, insurance or other rental extras.

Penalties for Driving Without Insurance in Delaware

The cost of a ticket for driving without insurance in Delaware can vary, particularly based on whether it's your first offense or if you've been caught without insurance before. For a first-time offender, expect a fine and a possible increase in future insurance premiums.

The financial penalties and consequences become more severe with repeat offenses. You may face penalties such as:

  • Vehicle impoundment, requiring payment to recover your car.
  • Suspension of your vehicle registration, meaning you can't legally drive your car until it's resolved.
  • License suspension, alongside potential fees to get your license back.
  • Mandate to file an SR-22, a document proving that you're carrying the minimum required insurance, which usually leads to higher insurance rates.
  • Jail time, up to six months, particularly if you're involved in an accident while uninsured.

Adhering to insurance requirements not only protects your wallet from hefty fines but also shields you from other legal ramifications. Ensure your vehicle is covered according to Delaware's laws to avoid these unnecessary risks and penalties.

What to Do if Your Policy Is Canceled

If your car insurance policy is canceled in Delaware, avoid driving because operating a vehicle without insurance is illegal. Quickly contact your insurance agent to discuss options or seek a new insurance provider to maintain coverage.

The Delaware DMV will be informed of the lapse in coverage because insurance companies are required to notify the DMV when a policy is canceled. This could result in penalties, including fines and the suspension of driving privileges.

To secure new insurance, shop around for a new policy. Delaware does not offer a state-run insurance program for hard-to-insure drivers, but options such as non-standard insurance companies may be available. Obtain at least the state minimum coverage to comply with Delaware law and protect yourself on the road.

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WHY WAS MY POLICY CANCELED?

Your car insurance policy in Delaware may have been canceled for a few reasons:

  • Non-Payment: If you didn't pay your premiums, the insurer can cancel your policy.

  • Fraud: Any false information on your application can lead to cancellation.

  • License Suspension: If your driver's license is suspended, the insurer may cancel your policy.

  • Too Many Claims: Filing too many claims in a short period can result in cancellation.

  • High Risk: Some behaviors on the road might make you a high-risk driver, leading to policy cancellation.

FAQ: Delaware Minimum Coverage Car Insurance

You may have questions about the minimum car insurance requirements in Delaware. We'll help you understand the coverage you need to hit the road with confidence and stay compliant with state law.

What is the minimum car insurance coverage in Delaware?
Why does Delaware require minimum automobile liability coverage for motorists?
Do you need comprehensive insurance in Delaware?
What happens if you drive uninsured in Delaware?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.