In Delaware, car insurance is a legal requirement for all drivers. Without it, you could face a number of serious financial consequences and risks. Every state has different minimum car insurance requirements, so whether you currently live in Delaware or are planning an upcoming move to the state, it is important to understand the specific car insurance laws so you are financially prepared and protected.
Minimum insurance required in Delaware
Delaware drivers must carry minimum levels of personal liability insurance, which includes bodily injury coverage and property damage liability coverage. The minimum insurance requirements are abbreviated as 25/50/10, and include the following amounts:
- $25,000 in bodily injury liability coverage per person
- $50,000 in bodily injury liability coverage per accident
- $10,000 in property damage liability coverage per accident
In addition, Delaware is a technically not no-fault state. However, Personal Injury Protection (PIP) is required, which pays for a drivers’ medical expenses after an accident, regardless of who caused the crash. Here are the minimum requirements for PIP in Delaware:
- $15,000 in PIP per person
- $30,000 in PIP per accident
Individuals who own and register more than 15 vehicles may also qualify for self-insurance.
Penalties for driving without insurance in Delaware
Driving without insurance in Delaware carries serious penalties. If you are found to be driving without insurance, you will receive a fine of $1,500 for a first offense. For each subsequent offense committed within three years, you will be fined $3,000. After two or more offenses, your driver’s license will be suspended for six months.
Fees from Delaware’s online insurance verification system
To ensure that drivers have proper insurance coverage, Delaware uses an online verification system to randomly audit vehicles. This makes it easier to catch drivers who do not have insurance and therefore, reduce the number of uninsured drivers on the road.
If you are audited and found to be driving without proper insurance coverage, you will likely be required to pay a fine. The table below includes the fines you may receive for some of the most common violations:
|Reason for fee||Fee amount|
|Driving without insurance (first offense)||$1,500|
|Driving without insurance (second offense)||$3,000|
|Lapse in insurance coverage||$100|
|Out of date registration||$50|
Getting into an accident without insurance
If you cause an accident in Delaware and you do not have insurance, the consequences are a bit nuanced for this state. If at-fault for the accident, you will be responsible for reimbursing the driver for their vehicle repairs, plus any medical expenses that are not covered by their PIP policy. Delaware also allows drivers to sue, even with PIP, which means you would also be responsible for covering your legal fees and a settlement if you are found guilty.
That said, the state-required PIP insurance will cover your own medical and legal costs, up to policy limits. So if you are involved in an accident with an uninsured motorist, this would be a valuable financial protection for yourself.
Frequently asked questions
What if you provide false insurance information?
If you are driving without insurance and you provide false insurance information to law enforcement or another driver, it is illegal and you will face serious consequences in Delaware or most other states. Penalties also apply for drivers who produce fraudulent proof of insurance. The laws for this type of violation are different in every state, but in Delaware, you can expect to pay a hefty fine, you will likely lose your license and may face incarceration time. Plus, it may be more difficult to qualify for car insurance coverage in the future.
How much is car insurance in Delaware?
The average cost of car insurance in Delaware is $787 per year for a minimum coverage policy and $1,775 per year for a full coverage policy. However, car insurance rates are personalized for every driver. You might pay more or less than the statewide average rate based on factors like your age, credit score, claim history and driving record.
What is the best car insurance company in Delaware?
The top providers included in our review of the best car insurance companies in Delaware include Allstate, Geico, Travelers and USAA. But keep in mind that the best provider for you depends on unique factors like your budget, the type of coverage you need, what discounts you qualify for and whether or not you are eligible for coverage with that company.
How can I get cheaper car insurance in Delaware?
Drivers in Delaware can save money on car insurance in a few key ways. First, identify insurance companies that offer multiple discounts you can take advantage of, such as those for being claim-free, paying your premium in full and taking a defensive driver training course. You might also alter your deductibles on specific coverages such as comprehensive or collision, and can also work to improve your credit score to get a lower rate with a new provider or at the time of policy renewal.