Car Insurance in Delaware: Requirements

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Minimum car insurance in Delaware

Minimum liability insurance:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $10,000 property damage per accident

This is usually written as 25/50/10. Liability insurance pays for damage and injuries you cause to others. But it doesn't pay for damage to your own car or your injuries.

Minimum uninsured/underinsured motorist (UM/UIM) coverage:

  • UM/UIM is not required in Delaware. Insurance companies must offer it but you can reject it. If you buy UM/UIM the minimum is 25/50. These coverage types pay for injuries if you're hit by a driver with no liability insurance or not enough.

Personal injury protection (PIP)

  • You must buy at least 25/50 in PIP in Delaware. With PIP coverage, you make small injury claims under your own insurance policy.

Optional car insurance in Delaware

Comprehensive coverage: Covers theft of your vehicle or damage caused by hitting an animal. Also cover damage from hail, flood, fire, vandalism, falling objects and explosions.

Collision coverage: For damage to your vehicle from hitting another car or an object, like a tree or sign post.

Rental reimbursement: Covers up to a certain amount for a rental car if your vehicle is being repaired due to an accident covered by comprehensive or collision insurance. It may have a daily maximum and also a total limit.

You must show an insurance ID card (or other proof of financial responsibility) in Delaware when:

  • Law enforcement requests it
  • You renew vehicle registration
  • Your vehicle is involved in a car accident

Penalties for not having car insurance in Delaware

  • First offense: $1,500–$2,000 fine and a six month license suspension
  • Second offense within three years: $3,000–$4,000 and a six month license suspension

Source: Property Casualty Insurers Association of America

Consumer complaints against the largest auto insurance companies in Delaware

Each state's department of insurance collects complaints against insurance companies that operate in the state and supplies the numbers to the National Association of Insurance Commissioners. A national "complaint ratio" number is meant to show the number of complaints against a company relative to the insurer's size of business. Shown below are national complaint ratios for the largest auto insurance companies in Delaware.

Deleware car insurance complaints

Updated June 11, 2018

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