Delaware motorcycle insurance

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

Plan your Delaware motorcycle trip ahead of time—being sure to keep motorcycle insurance as a top priority, along with learning the state’s rules of the road.

What’s required of all motorcycle riders in Delaware?

Each state establishes its own laws and guidelines for residents operating motorcycles within the state. In Delaware, you’ll need to:

  • Register your motorcycle

  • Wear a helmet and eye protection approved by the Delaware Secretary of Safety

  • Hold a motorcycle endorsement on your driver’s license

If you’re younger than 18 years old and can’t get a motorcycle license endorsement yet, you can earn a student completion card by passing a state-approved motorcycle rider training course.

If you live in another state and plan to ride in Delaware, we have good news—Delaware accepts motorcycle endorsement and rider completion cards from other states.

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What are the motorcycle insurance requirements in Delaware?

Motorcycle insurance is mandatory for all motorcycle owners in Delaware. If you’re caught riding an uninsured motorcycle, you’ll likely face a heavy fine, and your license may also be suspended. Here are Delaware’s required coverages and their minimum limits:

  • $25,000 for bodily injury liability per person

  • $50,000 for bodily injury liability per accident

  • $10,000 for property damage liability per accident

  • $10,000 for damage to property other than motor vehicles per accident

  • $15,000 for personal injury protection per person

  • $30,000 for personal injury protection per accident

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Prepare for your Delaware ride

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Are optional motorcycle insurance coverages available in Delaware?

The minimum motorcycle insurance requirements will keep you compliant with Delaware law, but they may fall short of meeting your expenses if you’re involved in an accident. To help reduce that risk, consider purchasing additional optional insurance coverages, such as:


If you’re involved in an accident—whether with another vehicle or a stationary object—collision coverage can help cover the costs of the resulting damage to the insured vehicle. 


This optional coverage helps cover damages to your motorcycle not related to an accident—for example, fire, severe weather, flooding, and even vandalism and theft.

Uninsured motorist

If your motorcycle is damaged by an at-fault motorist who doesn’t have insurance, you could be forced to pay for repairs and other expenses out of pocket. This coverage can help reduce those costs.

Underinsured motorist

Similar to uninsured motorist coverage, this optional insurance can help pay for expenses following an accident with an at-fault motorist who doesn’t have sufficient insurance to cover your expenses.

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How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

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Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

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Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

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Select the coverages you want.

Delaware motorcycle insurance discounts

We believe in helping every rider find value in their motorcycle coverage. That’s why we offer a range of motorcycle insurance discounts on your already affordable coverage. Here are the discounts available in Delaware:

  • Advance quote

  • Anti-theft

  • Bike replacement (Loyalty)

  • Claim-free renewal

  • Experienced rider

  • Garaging

  • Harley Owners Group (H.O.G.) member

  • Homeownership

  • Motorcycle endorsement

  • Multi-line

  • Multi-vehicle

  • Operator safety course

  • Refresher operator safety course

  • Ownership

  • Paid in full

  • Prompt payer

  • Rider group

  • Transfer

Sites to see in Delaware

Though it’s America’s second-smallest state, Delaware still has plenty of historic stops and beautiful scenery to explore. Here are a few to get you started:

Brandywine Valley

Brandywine Valley extends from Pennsylvania into Delaware. As you ride this historic route, you’ll follow narrow, serpentine roads past rolling hills, quiet valleys, beautiful mansions, and extravagant gardens.


In Wilmington, you’re surrounded by American history, including some of the country’s oldest homes. Located midway between New York City and Washington D.C., Wilmington also offers quick access to these metropolitan destinations.

New Castle County

A destination for Colonial history buffs, New Castle County is home to museums, parks, and the annual Separation Day Parade, which commemorates the day Delaware separated from Pennsylvania.

Get a Delaware motorcycle insurance quote

To make the most of your ride through Delaware, you’ll need insurance for your motorcycle. Enter your information below or give us a call at 866-324-7952 to get started.

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