Delaware Car Insurance

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In a nutshell...
  • PIP insurance is quite common as a mandatory requirement in states with no-fault auto insurance laws
  • Any damage exceeding policy limits may potentially expose you to personal liability
  • All vehicles registered in Delaware must carry liability insurance and PIP coverage

Delaware is one of America’s smaller states but rich with a prestigious history and home to some of the most beautiful homes in America.

Even with a population just under 900,000 Delaware still has a very competitive car insurance industry with over 80 car insurance companies licensed by the Delaware Insurance Department.

Almost all states have minimum auto insurance requirements but what makes Delaware different is the fact they are one of only around a dozen states which have no-fault car insurance laws.

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What are Delaware no-fault car insurance laws?

No-fault car insurance is a set of laws designed to help avoid any determination of liability for a car accident when it comes to claims handling.

When damages or injuries occur from a car accident, the respective policyholder’s insurance company will pay for costs to the insured – rather than fighting about who was at fault which usually ends up in lengthy battles about who is liable in most accidents.

While liability car insurance is mandatory in Delaware, all drivers also obligated to carry Personal Injury Protection insurance which is auto insurance to cover certain medical expenses and loss of wages.

Delaware Car Insurance Requirements

All vehicles registered in Delaware must carry liability insurance and PIP.

Currently, the Delaware Insurance Department and Department of Motor Vehicles require all drivers to have at least 15/30/10 in minimum levels of car insurance coverage.

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The two levels of minimum insurance requirements are:

Liability Insurance

  • $15,000 liability per person per accident
  • $30,000 liability insurance per accident for all persons
  • $10,000 of property damage coverage

Personal Injury Protection

  • $15,000 per person per accident
  • $30,000 per accident (maximum $15,000 per person)
  • $5,000 for funeral expenses

Most Delaware drivers opt for additional coverage as state requirements only provide limited coverage in the event of an accident.

You want to consider comprehensive and collision coverage, GAP insurance and other types of auto insurance for the full financial protection of your family.

Where can I find cheap car insurance in Delaware?

You need a car insurance policy with reliable coverage from an insurance provider who will be there in the event of a claim.

This will not only help you find better coverage but also educate you about the various car insurance discounts available to help find a policy within your budget.

You never want to compare car insurance policies based solely on premiums.

The value of car insurance is having coverage when you need it, and many times valuable details are left out from companies offering cheap car insurance.

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