Delaware’s minimum car insurance coverage requirements

Illustration of the beach at Cape Henlopen State Park in DelawareIllustration of the beach at Cape Henlopen State Park in Delaware

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?


What are the minimum limits for Delaware?

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



Auto coverages in Delaware

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 liability limit available in Delaware?

$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident 
$50,000 property damage liability per accident



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

Bodily injury liability and personal injury protection (PIP) must be offered and can’t be rejected. Uninsured and underinsured motorist bodily injury and uninsured motorist property damage must be offered, but they can be rejected.

What coverages are available in Delaware?

  • Bodily injury liability

  • Property damage liability

  • Uninsured/underinsured motorist bodily injury

  • Uninsured motorist property damage

  • Personal injury protection

  • Lienholder deductible

  • Comprehensive

  • Collision

  • Rental reimbursement/Transportation expense

  • Special equipment

  • Roadside assistance

  • Car loan protection

  • Property protection coverage

What’s the oldest a vehicle can be to get 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?

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

Yes, an insurance score is part of rating but you can opt out.

What policy terms are available in Delaware?

6 months

What is the minimum down payment option in Delaware?

10% and eleven installments.

Are SR22s used in Delaware? If so, is there a fee? Is the SR-22 filed electronically?

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

What discounts are available in Delaware?

  • Multi-car

  • Homeowners

  • Prior insurance (transfer)

  • Paid in full

  • Quarterly

  • Advanced quote

  • Defensive driving course

  • Advanced defensive driving course

  • Travellink carpool

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