Budget Coverage Info
Get a Quote
A two-lane rural road runs through misty fields at sunrise, with a weathered wooden fence post and barbed wire in the foreground and trees along the right side.

Delaware Auto Insurance — Minimum Coverage & Rates

Delaware requires 25/50/10 liability coverage and is an at-fault state.

Compare my rates

Free to compare

Delaware at a Glance

25/50/10

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Required

PIP coverage must be on every policy

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

Delaware operates as a tort state with mandatory Personal Injury Protection (PIP), making it one of the few tort states that require first-party medical coverage. Drivers must carry proof of insurance at all times and can face immediate license suspension for lapses. The Delaware Department of Insurance enforces these requirements through electronic verification with the DMV.

Bodily Injury Liability

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. In tort states like Delaware, injured parties can sue you for amounts exceeding this limit, putting personal assets at risk.

Property Damage Liability

Pays for damage to other vehicles, buildings, or property you cause in an accident. Delaware does not require separate uninsured motorist property damage coverage, so this is your primary protection when you're at fault.

Personal Injury Protection (PIP)

Covers your own medical expenses, lost wages, and funeral costs regardless of fault — unusual for a tort state. Delaware's PIP requirement means minimum coverage costs more here than in pure tort states, but it protects you even when the other driver is uninsured. You can reject this coverage in writing, but doing so eliminates your guaranteed medical coverage after an accident.

Uninsured/Underinsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. Delaware requires insurers to offer this at limits matching your bodily injury liability, and you must sign a waiver to decline it.

Cost Overview

$83–$164/mo

Typical monthly rate in Delaware, minimum-coverage policies

Rate data: NerdWallet, ValuePenguin and Insurify, 2026

What Affects Your Rate

  • The I-95 corridor through New Castle County has significantly higher accident rates than Routes 1 and 13 in Kent and Sussex counties, affecting location-based pricing
A woman with long gray hair in a white shirt, jeans, and brown loafers stands beside the open door of a dark car on a tree-lined residential street.

Find the Lowest Rate That Still Protects You

Find Your Lowest Rate

Coverage Types

Liability Insurance

Delaware's 25/50/10 minimum is the legal floor, but a single serious accident can exceed these limits in minutes. Raising to 100/300/50 typically adds $30–$50/month and protects personal assets from lawsuits.

Full Coverage

Combines liability, PIP, collision, and comprehensive. Only financially rational if your vehicle is worth more than 10 times the annual premium difference over minimum coverage — typically $6,000+ in current value.

Uninsured Motorist Coverage

Covers your injuries when hit by a driver with no insurance or limits too low to pay your damages. Delaware requires insurers to offer this at limits matching your liability, though you can reject it in writing.

Collision Coverage

Pays to repair or replace your vehicle after an accident regardless of fault, minus your deductible. Not required by Delaware law or lenders once a vehicle is paid off.

Comprehensive Coverage

Covers non-collision damage — theft, vandalism, weather, animal strikes, and falling objects. Optional once your vehicle is paid off, and typically dropped when vehicle value falls below $4,000–$5,000.

Find Your City in Delaware

Wilmington

urban

Dover

suburban

Newark

suburban

Middletown

suburban

Smyrna

suburban