Skip to Main Content
Delaware Memorial Bridge aerial
Matthew Van Dyke/Getty Images
Bankrate logo

Why you can trust Bankrate

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . Our content is backed by, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

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.

Compare rates and save on auto insurance today!

Close X
Advertising Disclosure
This advertisement is powered by, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age
Location-Icon Created with Sketch.

Save on auto insurance with quotes from trusted providers like:


Drivers switch & save an average of $750+/year

Liberty Mutual

Are you overpaying for auto insurance?


Safe drivers choose Allstate®

Powered by (NPN: 19966249)
Insurance Disclosure, LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See more providers in
Choose from insurers in

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 technically not a 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 minimum 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.

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.

Up next
Part of Finding the Best Car Insurance in Delaware