Delaware Car Insurance

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Here's what you need to know...
  • Everyone in Delaware is required to carry Liability and Personal Injury Protection coverage
  • Delaware is a no fault state when it comes to auto insurance
  • Many companies in Delaware offer discounts for a variety of reasons

Like Delaware, many states require their residents to obtain specific levels of insurance in order to make it legal for them to drive their cars on the roads and highways.

While no one plans on getting into an accident, all Delaware drivers need to be prepared by carrying at least the state minimum requirements for car insurance.

Unless you’re prepared, with strong driving skills and robust auto insurance coverage, getting into an accident could spell disaster for your personal and professional life.

Enter your zip code above to compare FREE online Delaware car insurance quotes now!

Understanding the “No-Fault” Auto Insurance Policy

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Delaware is one of only a handful of states that operates under a no-fault policy for motor vehicle drivers.

This means that, regardless of who is found to be at fault for an accident, all drivers must seek compensation for damages from their own insurance companies.

These policies are instated so that the Delaware court system is not overwhelmed with frivolous cases where people are simply suing for damages to their cars.

As a result of this policy, all Delaware drivers are required to carry a minimum of personal injury protection insurance.

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Minimum Delaware Car Insurance Levels

The state of Delaware also requires that all legal drivers carry liability insurance, which will cover the damages to another person or vehicle, if the insured person is found to be at fault for the accident.

The minimum levels of liability coverage in Delaware are:

  • $15,000 in coverage for the damages inflicted on the other driver when the insured is at fault
  • $30,000 in coverage for total medical expenses for any passengers that may have been injured during the accident
  • $10,000 in coverage for damages that caused to personal or public property, such as the destruction of a guard rail or mailbox.

Getting the Most Affordable Delaware Car Insurance Rates

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Despite what you may have heard advertised on the television or radio, not all Delaware car insurance companies will be able to offer you the coverage you want at a price you can afford.

It’s important to keep in mind that car insurance rates for each company are based upon specific driver criteria.

These criteria include:

Many car insurance companies in Delaware offer discounts if drivers meet specific criteria outside of these requirements, but they won’t offer it to you unless you ask specifically.

If you are a safe driver, a homeowner, a student with good grades, or looking to purchase multiple policies, you might qualify for a discount.

You can find all of the best Delaware auto insurance quotes online for free by entering your zip code below!

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