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General Delaware Insurance Guidelines

Delaware currently requires that all drivers under the same roof be covered under liability insurance. Proof of insurance must always be accessible in the vehicle. Delaware drivers are required to show their insurance info when involved in an accident, pulled over, or registering their vehicle.

Minimum Liability Coverage in Delaware

Delaware's minimum liability amounts are as follows:

  • $15,000 bodily injury per person
  • $30,000 total bodily injury per accident
  • $10,000 total property damage per accident

These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.

Penalties for Driving without Insurance

The penalties for driving without insurance in Delaware are:

  • License suspension, fines up to $1,500 for first offense
  • Second offense fines up to $3,000

Uninsured/Underinsured Motorist Coverage

Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Delaware does not require UM/UIM coverage.

No-Fault Insurance

Some states have “No-Fault” laws where a policyholder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Delaware is a “No-Fault” state.

Personal Injury Protection (PIP)

Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Delaware requires drivers to purchase PIP insurance. The minimum PIP coverage amounts for Delaware are $15,000 for bodily injury to any person, $30,000 for bodily injuries to all persons involved in a single accident, no more than $15,000 per person and $5,000 for funeral expenses.

SR-22 Requirements for Delaware

An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Delaware does not require an SR-22 filing for driver’s license reinstatement.

Delaware DUI Laws

It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver's licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Delaware are:

  • Imprisonment up to 6 months and $500 - $1500 fine
  • License suspension based on BAC
  • 0.08%-0.15% = 12 months, 0.15%-0.19% = 18 months, 0.20% + = 24 months

Additional Information on Insurance for Delaware

For more information, please contact Delaware Department of Insurance: 1-302-674-7300 or visit their website at www.delawareinsurance.gov.

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