Car Insurance in Delaware
Delaware requires 25/50/10 in liability coverage plus $15,000/$30,000 in personal injury protection (PIP). As a no-fault state, your own PIP pays your medical costs after a crash regardless of fault.
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Delaware at a glance
Data as of 2023Average cost
$1,462/yr
≈ $122/mo
vs U.S. average
+14%
above the national avg of $1,282/yr
Required minimums
25/50/10
+ $15K PIP
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Delaware requires 25/50/10 in liability coverage plus $15,000/$30,000 in personal injury protection (PIP). As a no-fault state, your own PIP pays your medical costs after a crash regardless of fault.
Delaware is one of the few no-fault states that does not require uninsured motorist coverage by default — though most drivers add it voluntarily. Comparing quotes is the easiest way to find an affordable policy that meets all requirements.
Delaware minimum car insurance requirements
Delaware requires $25,000 of bodily injury liability per person, $50,000 per accident, and $10,000 in property damage liability, plus $15,000/$30,000 in PIP for medical expenses. Uninsured motorist coverage is optional but worth considering.
Delaware is a no-fault state: $15,000/$30,000 in PIP is mandatory in addition to standard liability. Uninsured motorist coverage is not required.
How much does car insurance cost in Delaware?
The average driver in Delaware pays $1,462 per year for auto insurance — that's 14% above the U.S. national average of $1,282/yr. Higher-than-average rates often reflect denser traffic, higher claim severity, or stricter state coverage requirements.
Delaware vs the national average
14% above the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Delaware premiums have changed since 2019
Auto insurance costs in Delaware have risen 14% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Delaware vs national average
Delaware is up 14% from $1,287 in 2019 to $1,462 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Delaware policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Delaware
Driving uninsured in Delaware can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Delaware
Rates for the same driver can vary widely between insurers in Delaware, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 29, 2026. Always confirm current minimums with your state’s Department of Insurance.
Delaware car insurance FAQs
Common questions about auto insurance in Delaware
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