Delaware Car Insurance

All drivers in the state of Delaware must have adequate insurance coverage prior to operating a motor vehicle. Car insurance in Delaware protects drivers in the event that they are found at fault for collisions or accidents. At a minimum, drivers must have liability, property damage, and personal injury protection insurance, though they can add additional policies if they want more coverage, such as uninsured/underinsured motorist coverage and comprehensive coverage. Delaware’s Instant Insurance Guide explains that all drivers must have the following amounts of coverage:

Required Coverages in Delaware:

  • Bodily Injury Liability Per Person: $15,000
  • Bodily Injury Liability Per Accident: $30,000
  • Property Damage Liability: $10,000

The guide also explains that Delaware drivers are required to have personal injury protection in addition to liability insurance. Drivers must have $15,000 of coverage for any one person involved in an accident, and $30,000 of coverage for all people involved in an accident. The plan also includes $5,000 for funeral expenses.

It is against the law to drive uninsured. In the state of Delaware, driving without adequate insurance can result in fines, the revocation of your license plates, and even the suspension of your driver’s license. The state randomly checks registered vehicles for coverage, so avoiding lapses in coverage is in every driver’s best interest.

Determining Your Rate in Delaware

According to the guide, insurance companies in Delaware use a variety of factors in determining insurance rates. These include the driver’s age and gender, the make and model of the vehicle, the vehicle’s location, and how much the vehicle is driven. Insurance companies also look at the driver’s marital status and driving record.

The Insurance Information Institute reports that auto insurance in Delaware costs drivers an average of $1,021, which is much higher than the national average of $785. However, your rate may vary from the state’s average, depending on your personal factors. The guide recommends that drivers shop around and ask companies about the discounts they offer to get the best rates. Drivers can also save money by keeping a good driving record and completing driver’s education courses.