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Delaware’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Delaware:

Is it mandatory to have car insurance in Delaware? 

Yes

What are the minimum limits for Delaware?

$25,000 bodily injury per person 
$50,000 bodily injury per accident 
$10,000 property damage per accident

—or—

25/50/10

Dairyland® coverage in Delaware

At Dairyland, we’re proud to be able to help drivers in Delaware meet their insurance needs. Here are some of the parameters of our insurance coverage in Delaware:

What is the maximum bodily injury liability and property damage limit Dairyland offers in Delaware?

$50,000 bodily injury per person 
$100,000 bodily injury per accident 
$50,000 property damage per accident

—or—

50/100/50

What liability coverages are required to be offered in Delaware? Can a customer reject them?

Bodily Injury, Personal Injury Protection, and Property Damage must be offered and can’t be rejected. Uninsured Motorist Bodily Injury and Underinsured Motorist Bodily Injury must be offered, but they can be rejected.

What are all the coverages Dairyland offers in Delaware?

  • Bodily Injury
  • Property Damage
  • Uninsured/Underinsured Motorist Bodily Injury 
  • Uninsured Motorist Property Damage
  • Personal Injury Protection
  • Lienholder Deductible
  • Comprehensive
  • Collision
  • Rental Reimbursement
  • Special Equipment
  • Transportation Expense
  • Towing and Labor 

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Delaware? 

20 years 

How far back does Delaware go to look at violation history?

3 years

What additional policy types are offered in Delaware? 

Named Non-Owner

Is an insurance score used in my rating in Delaware? If so, is it mandatory? 

Yes, it’s part of rating but you can opt out.

What policy terms does Dairyland offer in Delaware?

6 months

What is Dairyland’s minimum down payment option in Delaware?

16.7% and five installments

Are SR22s used in Delaware?  If so, is there a fee assessed by Dairyland? Is it filed electronically?

SR22s aren’t used—FR19s are used in Delaware to show you have continuous coverage on a registered vehicle. Filed electronically with no fee.

What discounts are available from Dairyland in Delaware?

  • Multi-car
  • Homeowners
  • Prior insurance (transfer)
  • Paid in full
  • Advanced quote 
  • Defensive driver course
  • Advanced defensive driver course
  • Travellink car pool