Delaware Auto Insurance Requirements

In the tiny, but powerful state of Delaware, all drivers are required by law to carry liability insurance. This is because Delaware is a “Tort” state, which simply means that each driver is financially responsible for all property damage and personal injury related to an auto accident for which they are at fault.

To ensure that expenses incurred in an auto accident are covered, drivers are required to carry minimum amounts of coverage, as outlined in the table below.

Personal injury protection (PIP) is required for operating a motor vehicle in Delaware. This insures you and your passengers for any injury related expenses, regardless of who is at fault in an accident. PIP coverage also includes up to $5,000 for funaral expenses.

You may want to consider purchasing limits of coverage higher than those required by law to protect your assets or property, as you may be personally responsible for any damages above the policy limits.

Purchasing additional coverages, such as collision, comprehensive, medical payments, or uninsured and underinsured motorists coverage can enhance your current or new policy.

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Auto Insurance for Leased Vehicles in Delaware (DE)

Most leasing companies in Delaware typically require drivers to maintain insurance coverage which exceeds the minimums set by Delaware state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

• Bodily injury liability coverage: $100,000 per person/$300,000 per accident
• Property damage liability coverage: $50,000
• Comprehensive and collision coverage: $500 maximum deductible

Special Insurance Considerations for Drivers in Delaware by City

• Dover

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Contacts for Auto Insurance Information In Delaware

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Last Updated: August 19, 2010