Delaware car insurance: requirements & free quotes
Delaware is an at-fault state that also requires personal injury protection on every policy. Its position on the busy I-95 corridor between Baltimore and Philadelphia means a lot of through traffic.
Minimum coverage in Delaware
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$10,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $10,000 per accident
Personal injury protection (PIP) $15,000 per person / $30,000 per accident
Shown as 25/50/10 + PIP 15,000/30,000. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Delaware
- PIP is required, but raising it can give you more protection for your own medical costs.
- Uninsured motorist coverage is optional and worth adding for peace of mind.
- Comprehensive coverage helps with coastal storm and flood damage near the beaches.
- Ask about defensive-driving course discounts available to Delaware drivers.
We connect drivers across Delaware
Including Wilmington, Dover, Newark, Middletown and Smyrna — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Delaware car insurance FAQ
No. Delaware is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.