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
Table of Contents
|Coverage||Delaware Minimum Liability Coverage||Recommended Auto Insurance Coverage|
|Bodily Injury Protection||$15,000 / $30,000||$100,000 / $300,000|
|Personal Injury Protection||$15,000 / $30,000*||$100,000 / $300,000|
|Uninsured Motorist||$10,000*||$100,000 / $300,000|
|Comprehensive Coverage||N/A||$500 deductible|
|Collision Coverage||N/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
|Rank||Delaware Auto Insurance Company||Average Annual Rate|
|15||Goodville Mutual Casualty||$1,714|
|20||Donegal Insurance Group||$1,569|
|25||American Independent Companies||$4,271|
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 Company||Average Yearly Insurance Premium|
|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
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
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.