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Delaware Auto Insurance: Rates, Requirements & Coverage

Delaware requires 25/50/10 liability coverage and is an at-fault state.

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Delaware at a Glance

25/50/10

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Required

PIP coverage must be on every policy

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

Delaware operates under a tort-based liability system where at-fault drivers are financially responsible for damages. All drivers must carry proof of insurance and present it during traffic stops or after accidents. Delaware is one of 16 states that also mandates Personal Injury Protection (PIP) as part of minimum coverage, per the Delaware Department of Insurance.

Bodily Injury Liability

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident.

Property Damage Liability

Pays for damage to other vehicles, buildings, or property you cause in an accident.

Personal Injury Protection (PIP)

Covers your own medical bills, lost income, and essential services regardless of fault — Delaware is one of 16 states requiring PIP. PIP pays before health insurance and covers passengers in your vehicle.

Uninsured/Underinsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient limits to cover your damages. Delaware law requires insurers to offer this coverage at the same limits as your liability policy, but you may decline it with a signed waiver.

Cost Overview

about $122/mo

Average car insurance spending in Delaware

Rate data: NAIC Auto Insurance Database, 2023

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Frequently Asked Questions

Is Delaware a no-fault state for car insurance?

No, Delaware is a tort state where the at-fault driver is financially responsible for damages. However, Delaware does require Personal Injury Protection (PIP) coverage, which pays your own medical bills regardless of fault — creating a hybrid system. You can still sue at-fault drivers for damages exceeding your PIP limits.

Coverage Types

Liability Insurance

Covers bodily injury and property damage you cause to others. Delaware's 25/50/10 minimum is among the lowest in the nation and insufficient for most serious accidents involving multiple vehicles or significant injuries.

Full Coverage

Combines comprehensive and collision coverage with higher liability limits, uninsured motorist protection, and enhanced PIP. Protects both your vehicle and your financial liability in all accident scenarios.

Comprehensive Coverage

Pays for non-collision damage to your vehicle: theft, vandalism, weather, animal strikes, and falling objects. Covers your deductible amount, then pays remaining repair or replacement costs.

Collision Coverage

Repairs or replaces your vehicle after accidents with other cars or objects, regardless of fault. Required by lenders on financed and leased vehicles.

Uninsured Motorist Coverage

Covers your medical bills, lost wages, and vehicle damage when an at-fault driver has no insurance or flees the scene. You can reject this coverage in writing, but it must be offered.

Personal Injury Protection

Delaware-mandated coverage paying your medical expenses, lost income, and replacement services up to policy limits regardless of fault. Works alongside but separately from health insurance.

Find Your City in Delaware

Wilmington

urban

Dover

suburban

Newark

suburban

Middletown

suburban

Smyrna

suburban