Delaware car insurance
Whether you're commuting over the Delaware Memorial Bridge or driving on the Lewes Byway, it's important to know Delaware car insurance laws to make sure you have the coverage you need. Learn more about coverage options, Delaware auto insurance requirements, and extra ways to save on car insurance in the First State.
Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.
What are Delaware's minimum auto insurance requirements?
Drivers in Delaware are required to have auto liability coverage (BI liability and PD liability) and personal injury protection (PIP) at the following minimum car insurance limits:
| Coverage | What it covers | Minimum amount |
|---|---|---|
| Bodily injury liability | What it coversInjuries you cause to others in an accident | Minimum amount $25,000 per person $50,000 per accident |
| Property damage liability | What it coversDamage you cause to other people's property in an accident | Minimum amount $10,000 per accident |
| Personal Injury Protection (PIP) | What it coversYour medical costs due to an accident, plus lost wages, and death benefits, regardless of who's at fault | Minimum amount $15,000 per person $30,000 per accident |
Delaware also requires insurers to offer uninsured/underinsured (UM/UIM) bodily injury and property damage coverage with the following limits, though you may reject or lower these coverages via a signed form if you do not want them.
| Coverage | What it covers | Minimum amount |
|---|---|---|
| UM/UIM bodily injury | What it coversYour medical expenses an uninsured or underinsured driver causes | Minimum amount$25,000 per person $50,000 per accident |
| UM/UIM property damage | What it coversDamage to your property an uninsured or underinsured driver causes | Minimum amount$10,000 per accident |
While these are Delaware's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.
Is Delaware a no-fault state?
No. Delaware is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.
How much is car insurance in Delaware?
The average cost of a six-month liability-only policy in a higher-cost state like Delaware is $157.27 per month.* Several factors can impact car insurance cost, including the limits and coverages you choose, your driving history, and your ZIP code.
Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.† Get an auto insurance quote today.
What is the best car insurance in Delaware?
Finding the best car insurance in Delaware means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Delaware get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**
If you're looking for the cheapest car insurance in Delaware, here's how much drivers countrywide who save after switching to Progressive save on average compared to their previous auto insurer:
- GEICO customers who switch and save with Progressive save $740 on average§
How do I lower my car insurance cost in Delaware?
To lower your car insurance cost in Delaware, you may qualify for the following discounts through Progressive:
- Homeowner
- Continuous insurance
- At-fault accident-free
- Online quote
- Electronic Funds Transfer (EFT)
- Five-year accident-free
- Three-year safe driving
- Paperless
- Electronic signature
- Multi-car
See all our auto insurance discounts.
Pro tip:
Save when you bundle! One way to get cheap car insurance in Delaware is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.†
Additional car insurance coverages to consider
If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Delaware's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.
Explore all our car insurance coverages, and our car insurance calculator, to find which ones are recommended for you.
Delaware driving resources
From Wilmington to Dover, get to know Delaware's driving laws and resources. These resources apply to Newark, Middletown, and everywhere in between. Local municipalities may have additional laws and resources.
- Delaware Division of Motor Vehicles: Find out how to get or renew your Delaware license and registration.
- Delaware Department of Transportation Highway Safety Plan: Review Delaware's road safety rules and initiatives for intersections, distracted driving, impaired driving, and more.
- Delaware driving FAQs: Get answers to questions about driver's licenses in Delaware, obtaining a REAL ID, reporting an accident, getting a copy of your driving record, and other essential driver services.
- Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.
How to get car insurance in Delaware
Call us
Talk to a licensed representative who will guide you through every step of the process.
Call 1-866-749-7436
Quote car insurance online or give us a call
Learn more about car insurance policies.
