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State Minimum Car Insurance Requirement For Delaware

Even though Delaware is a small state its location to major states like New York, Maryland, and Pennsylvania make it necessary to be properly covered. The state minimum coverage for the state of Delaware is as follows.

Minimum Liability Coverage

CoverageDelaware Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$15,000 / $30,000$100,000 / $300,000
Property Damage$10,000$50,000
Personal Injury Protection$15,000 / $30,000*$100,000 / $300,000
Uninsured Motorist$10,000*$100,000 / $300,000
Comprehensive CoverageN/A$500 deductible
Collision CoverageN/A$500 deductible

*Personal Injury Protection and Uninsured Motorist Protection are not mandatory in the State of Delaware, however, you have to decline the coverage in writing. Remember this if you are on a budget.

Delaware is a “no-fault” state. No-fault implies that each individual’s insurer will cover their costs in the event they are in an accident in the hopes that it’ll reduce the amount of legal actions that are filed by other drivers. Since the state is “no-fault” drivers are required (though it can be declined in writing) to carry Personal Injury Protection or (PIP) cover.

PIP insurance is cover to help pay for any doctor’s expenses or in the unlikely event, death expenses for the insured person. There are exceptions to the rule for Delaware. If the costs of medical bills or the costs of property damages exceeds a certain amount; of if the injuries to the person are extremely high the “at-fault” party is going to be required to cover the costs.

Ranking of Auto Insurers in the State of DE

RankDelaware Auto Insurance CompanyAverage Annual Rate
1Ameriprise$1,254
221st Century$1,334
3Travelers$1,337
4USAA$1,354
5AAA/Automobile Club$2,129
6GEICO $1,757
7Progressive$2,001
8Omni Insurance$2,757
9Nationwide$1,839
10National General$3,495
11MetLife $1,427
12Liberty Mutual$2,688
13Horace Mann$2,267
14Hartford$1,540
15Goodville Mutual Casualty$1,714
16Titan$2,446
17Farm Family$1,604
18Encompass$1,934
19Electric$1,449
20Donegal Insurance Group$1,569
21Chubb$1,927
22California Casualty$1,296
23Amica$1,652
24Allstate$2,758
25American Independent Companies$4,271
26AIG$2,198
27Sentry$5,312

Either through their own insurance firm or personal expense depending if they have the coverage to help with the bills.

The state of Delaware also requires its motorists to carry at least 15/30/10 of bodily injury liability and property damage liability protection.

Bodily Injury Liability-

Covers medical bills for the people in the other vehicle. With minimum coverage the insurance corporation will pay up to $15,000 for a single person and up to $30,000 for all people in the other car. This coincide with the numbers (15 & 30) above.

Property Damage Liability-

Property damage is any damages to the other person’s vehicle, buildings, and road signs, for example. Under the minimum coverage the insurer will pay up to $10,000 for damages.

This coincides with the number (10) in the 15/30/10. The numbers are always in thousands.

To make it easier; for Bodily Injury the minimum is $15,000 for the driver in the other car, and $30,000 for the passengers in the other car.

Property Damage is minimum $10,000, although it is not required for drivers in Delaware, uninsured motorist protection is a cover you may want to consider since many drivers in cities such as Wilmington, Dover, and Newark, drive out of state.

Who has the Cheapest Auto Insurance in Delaware?

Auto Insurance CompanyAverage Yearly Insurance Premium
Ameriprise$1,254
21st Century$1,334
Travelers$1,337
USAA*$1,354
Allianz$1,389
Metlife$1,427
Hartford$1,540
State of Delaware Average Premium$1,912

*USAA covers only families and their children affiliated with the Military and Armed Forces. A spouse or person previously in the Armed Services may be able to get insurance through USAA.

Charts and Graphs of Auto Insurance Providers

This graph shows the lowest cost auto insurance providers in the State of Delaware compared to the State Avg.

Compared to the Delaware State Average, the 5 lowest cost auto insurance providers are relatively cheap.

This is a line graph which compares the cheapest insurance providers against the state average in Delaware.

Comparison of affordable auto insurance in Delaware.

Uninsured/Under-Insured Drivers

Many drivers surrounding the state are not properly cover or are completely uninsured. Also, there could be many drivers out-of-state driving through Delaware which may not have insurance too.

At Autoinsuresavings we have simplified the process for you by comparing car insurance quotes from top insurance companies, you can find an agent online in less than a minute, you can find out if you have an available discounts, and the best part of our comparison system is it is cost you nothing to find out if you save hundreds of dollars over the next couple of years.

Local Car Insurance Agents

CityAverage PremiumCityAverage Premium
Bridgeville Car Insurance$1,334Milford Car Insurance$1,476
Camden Car Insurance$1,365Millsboro Car Insurance$1,498
Claymont$1,398Milton Car Insurance$1,501
Dover Car Insurance$1,431Newark Car Insurance$1,476
Felton Car Insurance$1,382New Castle Car Insurance$1,521
Georgetown Car Insurance $1,362Seaford Car Insurance$1,427
Harrington Car Insurance$1,339Selbyville Car Insurance$1,566
Laurel Car Insurance$1,367Smryna Car Insurance$1,493
Lewes Car Insurance$1,521South Bethany$1,501
Middletown Car Insurance$1,504Wilmington Car Insurance$1,328

Once you know you have the minimum coverage don’t be afraid to ask the agent for discounts or other types of coverage which could be helpful in the time when you need it most.

Shaun Fyffe
Hi, I am Shaun Fyffe and writing is my passion. In my spare time I enjoy the outdoors, spending time with my family, sometimes I might go hiking or riding a bike, plus doing the regular hanging out - New York Style!

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