Is Delaware a no-fault state?

No, Delaware isn’t a no-fault state . Drivers who are 50% or less at fault can claim damages under Delaware's modified comparative negligence laws. Suppose you’re 25% at fault for causing a car accident. You could file a claim with the other driver's insurance provider and receive 75% of your damages. In a split liability agreement, two equally at-fault drivers (each 50% to blame for the accident) receive half of their damages from each other’s liability coverage. The bottom line: In Delaware, your claim for damages is reduced by your percentage of fault, up to a maximum of 50%.

Does Delaware require car insurance?

Yes. Like most states, Delaware requires drivers to carry minimum liability coverage to drive legally.

Does insurance follow the car or the driver in Delaware?

In Delaware, car insurance usually follows the car instead of the driver. That means if you let someone else drive your vehicle, they should be covered by your policy if they’re in an accident. However, to ensure you’re always covered, be sure to check your policy or chat with your provider.

What is full coverage car insurance in Delaware?

In addition to the required 25/50/10 liability coverage, a Delaware full coverage policy will also include comprehensive and collision coverage.

What is the state minimum for car insurance in Delaware?

In Delaware, you need liability car insurance with coverage limits of at least 25/50/10, and Personal Injury Protection (PIP) with coverage limits of at least 15/30. In other words, your liability coverage should provide $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury liability coverage per accident, and $10,000 of property damage liability coverage per accident. As for PIP, you must carry at least $15,000 of PIP coverage per person and $30,000 of PIP coverage per accident in Delaware.

What is the lowest form of car insurance?

Most would consider a parking or storage policy the lowest form of insurance. This type of policy is used for vehicles that are not being driven, so they don’t need liability or collision coverage—instead, they’re covered with a comprehensive-only policy. If a car is being driven, though, the lowest coverage it can have in most states is liability coverage.

What age is car insurance cheapest?

Car insurance premiums are generally at their lowest when you’re between the ages of 25 and 75. However, how much you pay for insurance will depend on a number of highly individualized factors.

Are rental cars automatically insured in Delaware?

No, rental cars aren’t automatically insured in Delaware. You can buy rental car insurance either at the counter or from a third-party provider. The coverage options cost between $1 to $30 per day. Make sure to check the fine print on your credit card agreement; some cards provide rental car insurance if you use them to pay!

Who has the cheapest car insurance in Delaware?

The cheapest car insurance company in Delaware depends on your driver profile. You can find cheap rates if you have a good driving record, insurance history, and credit score. You can also find better offers if you use a quote comparison app.

Can you go to jail for driving with no insurance in Delaware?

If you drive without insurance in Delaware, you won't go to jail. That’s not to say that the penalties aren’t steep: you’ll face a $1,500 fine for the first offense, a $3,000 fine for subsequent ones, and a driver’s license suspension of six months.

What happens if the person at fault in an accident has no insurance in Delaware?

If the person at fault in a car accident has no insurance in Delaware, they’re considered an uninsured motorist. Not only will they have to pay for the injured party (or parties) damages out of pocket, but they’ll also face a fine and a driver’s license suspension.

Does Delaware have no-fault car insurance?

Yes, car insurance companies in the state of Delaware offer no-fault car insurance. The state minimum insurance requirements mandate $15,000 of Personal Injury Protection (PIP) coverage per person and $30,000 of PIP coverage per accident.

How much is a no-insurance ticket in Delaware?

A no-insurance ticket in Delaware costs $1,500 for the first offense and $3,000 for all subsequent offenses. Repeated offenders may be required to file for SR-22 insurance. Uninsured motorists also have a harder time finding cheap rates for car insurance due to the lapse in their insurance history.

Does Delaware accept online proof of auto insurance?

Yes, Delaware accepts online proof of insurance . But just to be safe, you might want to keep a paper copy in your glove compartment. If you go over your data limit or forget your phone someday, you could be ticketed!

Cheapest Car Insurance in Delaware (Dec 2024)

Q: What increases car insurance rates in Delaware?

Delaware's higher rates can be attributed to:

Written by R.E. Fulton and 2 others

Dec 18, 2024

Cheapest Car Insurance in Delaware (Dec 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Delaware.

Find insurance savings

No long forms No spam or unwanted phone calls Quotes from top insurance companies

Written by R.E. Fulton and 2 others

Dec 18, 2024

How to find the cheapest car insurance quotes in Delaware

Cheap car insurance is hard to find in Delaware. There are dozens of different auto insurance companies hiding the cheapest option among hundreds of products. Luckily, there’s an easy way to find the best coverage for your needs (and the driver discounts for your budget).

Just ask Jerry to find it! Jerry captures your policy details with just a few questions and fetches five to seven quotes with the lowest rates in less than a minute. Finding your ideal auto insurance company has never been easier—no phone calls or research required!

Check out these real quotes Jerry found for drivers just like you:

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

Progressive	$135	Todd, 24, Claymont, DE	Hyundai Sonata Limited	State Minimum	No
National General	$294	Bobby, 21, Newark, DE	Nissan Maxima S	State Minimum	No
Progressive	$380	Virgie, 26, New Castle, DE	Chrysler Town & Country Touri	State Minimum	No
Progressive	$99	Gordon, 22, Dover, DE	Hyundai Veloster	State Minimum	No
Progressive	$212	Carlos, 53, Wilmington, DE	Pontiac Sunfire Se	State Minimum	No

Last Updated Dec 24, 2024

Compare car insurance qoutes now

Cheapest car insurance companies in Delaware

Jerry’s recommendations don’t just come from our team of 100+ licensed insurance agents—they also come from real drivers all over the country. We undertook one of the largest shopping surveys in the nation to find the best car insurance rates, and here’s what you told us.

Allstate was the most flexible, offering plenty of coverage options for consumers to customize their insurance policies. GEICO was the most affordable, providing some of the lowest annual rates in the nation. As for high-quality customer service, policyholders put Safeco, Dairyland, and Progressive on the podium.

In terms of sheer numbers, the five largest auto insurance companies in Delaware are State Farm, Berkshire Hathaway, Liberty Mutual, Nuclear Electric Insurance, and Nationwide. Here’s why they get so many votes:

Insurance company	Date	Cost rating (out of 5)	What our customer said:
Progressive	October 29, 2024	5	“It was extremely easy finding the best price and quality for progressive with Jerry” -Blake
Allstate	October 29, 2024	5	“Always a pleasant experience when I have to contact Allstate.” -Kyle
National General	October 29, 2024	5	“Always was amazing cheapest rates .” -Seth
Progressive	October 27, 2024	3	“I has a good time with liberty for the most part until it came time to cancel because when I canceled they kept charg…(read more)“ -Ryan
AAA	October 27, 2024	5	“My Experience with AAA has been good for me so far. I look to continue doing business with them.” -Stanley

How’d we get these scores?

Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

But when it comes to overall ratings, there’s one clear winner: Jerry, with five stars from thousands of satisfied customers!

Jerry’s team of customer service experts helps drivers discover the policies they want at the prices they want. It’s the easiest way to shop for an auto insurance policy! Get started with a free download on the Google or iOS app store or read on, as we show you how to find the lowest rates for every driver in Delaware.

State minimum coverage requirements

Delaware car insurance requirements state drivers must carry a car insurance policy with both liability car insurance and personal injury protection (PIP). The former compensates the injured parties after a car accident where you’re at fault, including bodily injuries and property damage. The second pays for hospitalization and surgery for you and your passengers, regardless of who’s to blame.

Cheapest minimum liability coverage in Delaware

According to Delaware car insurance laws, the minimum coverage limits required for liability and PIP insurance are 25/50/10 and 15/30, respectively.

It’s illegal for any auto insurance provider in the state to sell you a policy with less than

$25,000 of bodily injury liability coverage per person
$50,000 of bodily injury liability coverage per accident
$10,000 of property damage liability coverage per accident
$15,000 of PIP coverage per person
$30,000 of PIP coverage per accident

Stick with the minimum coverage and you’ll get cheaper rates, like:

Do you need more than the minimum liability insurance coverage in Delaware?

The higher the coverage limits, the higher the insurance rates, and the higher the regret level, right? Not so fast. A car insurance policy only covers damages equal to or lower than your coverage limits, and the minimum coverage limits are quite low.

For example, when was the last time you saw a decent car for $10,000? If you damage another driver’s car beyond repair, the minimum requirements will probably leave you too underinsured to pay for its replacement. Plus, Delaware car accident laws say you can be sued in a personal injury lawsuit up to two years after the event.

The bottom line: Increase your liability and PIP coverage levels higher if you can, especially if you live in a densely populated area.

Cheapest full coverage Delaware auto insurance quotes

The annual premiums you pay for liability coverage go towards other people and their property; if you want a policy that allows you to reap the benefits of your hard work, consider full coverage car insurance.

Full-coverage car insurance typically includes liability coverage, collision coverage, and comprehensive coverage. If you collide with another car or a stationary object, collision coverage will pay to fix your car. And if your car gets struck by lightning, thieves, or vandals, you can use collision coverage to make it as good as new.

Full-coverage auto insurance is great for high-end models and trim levels. You might also need it if you recently signed up to lease or finance your car.

The best part is that full coverage can be very affordable! Take a look at the Jerry app and you’ll see what we mean:

Insurance Coverage	Has Full Coverage	Insurance Company	Premium (monthly)	Customer	Car

State Minimum	No	Progressive	$135	Todd, 24, Claymont, DE	Hyundai Sonata Limited
State Minimum	No	National General	$294	Bobby, 21, Newark, DE	Nissan Maxima S
State Minimum	No	Progressive	$380	Virgie, 26, New Castle, DE	Chrysler Town & Country Touri
State Minimum	No	Progressive	$99	Gordon, 22, Dover, DE	Hyundai Veloster
State Minimum	No	Progressive	$212	Carlos, 53, Wilmington, DE	Pontiac Sunfire Se

Last Updated Dec 24, 2024

Average annual rates for minimum liability coverage and full coverage car insurance in Delaware

As of May 2023, the average minimum liability car insurance policy in Delaware costs $162 per month and $1,948 per year. The average full-coverage policy costs $207 per month and $2,486 per year.

Don’t let these estimates get you down: by shopping with a trustworthy, licensed insurance broker (or app), you can find cheap insurance quotes several hundred dollars cheaper. The key is to find a car insurance provider that suits your driver profile, driving history, and credit history.

Other types of Delaware auto insurance

Buying a car insurance policy that meets the minimum car insurance requirements means you’ve done your duty to the state—but what about your other responsibilities?

You can protect what’s important to you with additional coverage options like:

Gap insurance, which protects your credit score by paying off the rest of your car loan if your vehicle is declared a total loss.
MedPay, which ensures you and your family’s long-term healthcare costs will be paid for.
Non-owner car insurance, which gives you liability coverage no matter whose vehicle you’re driving.
Rental reimbursement coverage, which can get you to work in a rental vehicle while yours is in the garage.
Towing and labor coverage, which prevents a flat tire, dead battery, or empty gas tank from interrupting your trip.
Uninsured motorist coverage, which protects you from the out-of-pocket costs of colliding with an underinsured or uninsured motorist.

Learn more: Types of insurance

Car insurance premium by rating factors

Car insurance is calculated differently by each auto insurance provider, but they look at many of the same factors. Among them are:

Your age and demographics: New drivers, teen drivers, and senior drivers pay much higher premiums than the rest of the population.
Your driving record and claims history: Good driving records generally indicate good drivers, who pay lower rates.
Your parking spot: Unlike cities, where car accidents and crime cause millions of dollars in property damage, small towns enjoy lower rates.
Your ride: Cheaply-made cars that are cheap to repair are the most affordable to insure.
Your driving habits: Commuters are at a higher risk of getting into a car accident than stay-at-home workers and retirees, so they pay higher rates.
Your credit score: Those with good credit scores get the lowest rates, while those with poor credit scores get the highest.

How to find cheap Delaware car insurance if you’re a high-risk driver

Car insurance companies don’t want to pay for car accidents any more than you do, so high-risk drivers always pay higher rates. Cheap rates are especially hard to come by for Delaware drivers with spotty driving records, including DUI and reckless driving convictions, speeding tickets, or SR-22 filing requirements.

Sound familiar? Here’s how to find the few auto insurance providers willing to insure high-risk drivers.

How to find cheap car insurance in Delaware after a speeding ticket

The total cost of a Delaware speeding ticket is difficult to calculate. Seriously, it’s a long formula.

First, you take the base fine ($20 for first offenses, $25 for repeats) and add the speed multiplier ($2 for every mph over the posted speed limit over five). Factor in the court costs, various funds, and the seatbelt assessment, and you’re still missing the biggest penalty: how much a speeding ticket affects your car insurance.

A speeding-related traffic ticket can add more than 20% to your annual premiums. To bring them back down, look for an auto insurance provider that will reward you for taking a defensive driving course.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

Speeding Violation-Minor	Progressive	$99	Gordon, 22, Dover, DE	Hyundai Veloster	State Minimum	No
Speeding Violation-Minor	National General	$259	Daniel, 27, Newark, DE	Toyota Camry Hybrid	State Minimum	No
Speeding Violation-Minor	National General	$722	Lois, 26, Wilmington, DE	Hyundai Elantra Se	State Minimum	No
Speeding 11-15	National General	$260	Fanny, 34, Newark, DE	Nissan Maxima 3.5 Platinum	State Minimum	No
Speeding Violation-Minor	Progressive	$144	Leah, 29, Harrington, DE	Nissan Maxima Se	State Minimum	No

Last Updated Dec 24, 2024

How to find cheap Delaware auto insurance after a DUI

Delaware’s DUI laws are tough. A conviction comes with a:

$500-$1,500 fine
Jail sentence of up to six months
Driver’s license suspension of one to two years
SR-22 filing requirement

Plus, they’ll stamp your driving record with a DUI conviction for a minimum of five years. When all’s said and done, you’ll probably have lost thousands of dollars more to high insurance rates!

You can save money by choosing an insurance provider with a variety of driver discounts. Pick a company, buy a new policy, or cancel an old one with Jerry, who’s helped lots of high-risk Delaware drivers with DUIs find low rates.

The cheapest Delaware car insurance companies for SR-22 insurance

If you’ve ever had to file an SR-22 in Delaware, you know what a pain they are.

Following a DUI conviction or major traffic offense, you must ask your insurance company to re-file a certificate every year for three years. If you let your liability coverage lapse for any reason, you could lose your driver’s license.

How to find cheap car insurance in Delaware after an at-fault accident

Insurance providers like to see a clean driving record so they know you’re not going to get into an accident and make an expensive claim. When you have a history of tickets and traffic violations, it’s hard to make a good first impression.

Getting rid of accidents on your driving record can boost your insurance rates if you’ve had an at-fault accident. You can trust Jerry to help you find affordable quotes after an at-fault accident like these Delaware drivers:

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

At Fault With No Injury	National General	$294	Teresa, 21, Newark, DE	Nissan Maxima S	State Minimum	No
Not At Fault	Progressive	$212	Charlie, 53, Wilmington, DE	Pontiac Sunfire Se	State Minimum	No
Not At Fault	National General	$221	Seth, 48, Smyrna, DE	Chrysler Town & Country Lx	State Minimum	No
At Fault With No Injury	Progressive	$223	Martin, 42, Bear, DE	Acura Ilx Premium	State Minimum	Yes
At Fault With No Injury	National General	$422	Frederick, 47, Dover, DE	Kia Optima Lx	State Minimum	Yes

Last Updated Dec 24, 2024

FAQ

Is Delaware a no-fault state?

No, Delaware isn’t a no-fault state. Drivers who are 50% or less at fault can claim damages under Delaware’s modified comparative negligence laws.

Suppose you’re 25% at fault for causing a car accident. You could file a claim with the other driver’s insurance provider and receive 75% of your damages. In a split liability agreement, two equally at-fault drivers (each 50% to blame for the accident) receive half of their damages from each other’s liability coverage.

The bottom line: In Delaware, your claim for damages is reduced by your percentage of fault, up to a maximum of 50%.

The best Delaware auto insurance for other high-risk drivers

Of course, there are other ways to get in trouble on the road besides a DUI conviction or speeding ticket. Depending on the severity of the violation, the impact on your insurance premiums can range from minor to major. Why not take a look around for a better rate in the meantime?

These Delaware drivers located a cheaper car insurance policy through Jerry after their traffic violations:

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

Improper Passing	Progressive	$265	Agnes, 36, Millsboro, DE	Ford Edge Sel	State Minimum	Yes
Driving on Sus. License	Progressive	$219	James, 28, Dagsboro, DE	Lincoln Mkz	State Minimum	No
Failure to show documents	Progressive	$282	Corey, 39, Claymont, DE	Ram 1500 St	100/300	Yes
Driving on Sus. License	Progressive	$217	Floyd, 36, Laurel, DE	Ford Fusion Sport	State Minimum	Yes
Following too Closely	National General	$111	Myra, 55, Seaford, DE	Gmc Acadia Sle	State Minimum	Yes

Last Updated Dec 24, 2024

How to find the cheapest rates in Delaware based on your insurance history

Insurance providers are always on the lookout for high-risk behavior, like driving uninsured. If you have a gap in your car insurance history, you’re apt to pay higher rates, no matter how short the period.

Call your provider and ask if they offer grace periods (and if they will reinstate your policy) to prevent a car insurance lapse from impacting your rates. If not, shop around.

In just a few taps, Jerry can help you enroll with a new insurance company and send you automatic payment and renewal reminders. No more gaps!

How to find cheap Delaware car insurance with a low credit score

Paying for car insurance doesn’t improve your credit score, but having low credit can prevent you from finding the best rates. Above all, car insurance companies want to know that you can pay your annual premiums.

When compared to drivers with excellent credit, bad credit drivers pay almost double the average rates for car insurance. A provider who offers flexible payment plans and grace periods is crucial if your credit score is less than 550.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

660-750	Progressive	$135	Todd, 24, Claymont, DE	Hyundai Sonata Limited	State Minimum	No
660-750	National General	$294	Bobby, 21, Newark, DE	Nissan Maxima S	State Minimum	No
<550	Progressive	$380	Virgie, 26, New Castle, DE	Chrysler Town & Country Touri	State Minimum	No
660-750	Progressive	$99	Gordon, 22, Dover, DE	Hyundai Veloster	State Minimum	No
550-659	Progressive	$212	Carlos, 53, Wilmington, DE	Pontiac Sunfire Se	State Minimum	No

Last Updated Dec 24, 2024

How to find cheap auto insurance in Delaware for your age

The car insurance rates for young drivers usually start to decline shortly after the age of 25. At the age of 75, they start to go up again. No matter how old or young you are, here are a few tips to help you get the most savings out of your driving years.

The best car insurance companies in Delaware for young drivers

It’s difficult for teen drivers between the ages of 16 and 19 to find affordable insurance rates because they’re the most likely age group to be involved in a car accident. Young drivers and new drivers face a similar challenge.

No driving history? No problem! Some insurance companies offer new driver discount programs that make the driving learning curve affordable. Find cheap car insurance for new drivers (and full coverage that pays for fixes regardless of fault) with a quote comparison app.

The best car insurance companies for senior drivers in Delaware

Hearing and vision loss present driving challenges that aren’t easy to overcome, even with a lifetime of safe driving experience. Senior drivers are also at a higher risk of suffering severe injuries in a car accident. As a result, insurance companies charge seniors higher rates.

The best car insurance for seniors comes from companies that serve older adults and retirees. If you’re looking for affordable plans and coverage options for your golden years, Jerry’s expert customer service team can assist you.

How to find car insurance discounts in Delaware for your motor vehicle

The cheapest cars to insure save money for consumers and car insurance companies alike. Not only are they safer to drive, but they’re also harder to steal and cheaper to repair.

You’ll see these five models on almost every road in Delaware:

Chevrolet Silverado (average insurance cost: $2,300 per year)
Ford F-150 (average insurance cost: $2,100 per year)
Toyota RAV 4 (average insurance cost: $2,300 per year)
RAM 1500 Limited (average insurance cost: $3,000 per year)
Honda CR-V (average insurance cost: $2,400/year)

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage

Ram 1500 Limited	Progressive	$215	Charles, 53, Wilmington, DE	State Minimum	Yes
Ram 1500 St	Progressive	$282	Kevin, 39, Claymont, DE	100/300	Yes
Chevrolet Silverado K1500 Lt	Progressive	$102	Mayme, 59, Bear, DE	State Minimum	No
Ford F-150 Super Cab	Progressive	$139	Gordon, 55, Bear, DE	100/300	Yes
Ford F-150	Progressive	$153	Leroy, 39, Greenwood, DE	State Minimum	Yes

Last Updated Dec 24, 2024

Is it cheaper to insure a new car or a used car?

It’s generally more expensive to insure a new car than an old one. New models have a ton of technology, and due to supply chain issues, pricey components like computer chips and sensors have only gotten more expensive over the years.

You can save the most money by buying a used classic. Jerry can also help you save money by comparing car insurance quotes, no matter the make or model of your car.

Delaware cheapest car insurance by location

The greater your city’s population, the higher your car insurance premiums. For example, if you live in Rehoboth Beach or New Castle, you’re probably paying less than the average rate. But if you live in Dover or Wilmington, you probably pay more.

High insurance rates are the result of crime, car crashes, and congestion. Low insurance rates, on the other hand, depend on finding a licensed insurance broker to help you out (psst: look in the app store).

Check out these real quotes we found for Delaware drivers in different cities:

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance Coverage	Has Full Coverage

Claymont, DE	Todd	Progressive	$135	Hyundai Sonata Limited	State Minimum	No
Newark, DE	Bobby	National General	$294	Nissan Maxima S	State Minimum	No
New Castle, DE	Virgie	Progressive	$380	Chrysler Town & Country Touri	State Minimum	No
Dover, DE	Gordon	Progressive	$99	Hyundai Veloster	State Minimum	No
Wilmington, DE	Carlos	Progressive	$212	Pontiac Sunfire Se	State Minimum	No

Last Updated Dec 24, 2024

How to lower the cost of car insurance in Delaware

You can’t always control your annual premiums, but you can take charge of your savings with driver discounts. Jerry’s insurance agents offer these tips to insurance bargain-hunters:

Find the most affordable auto insurance plan by comparing rates from different companies.
Bundle your homeowners and car insurance for a discount.
Ask your insurance company if there’s a driver discount program for veterans, students, nurses, etc.
Increase your deductible to reduce your monthly bills.
Save money by switching to electronic billing and lump sum payments.
Take a defensive driving course to lower your auto insurance rates.

Why is car insurance so expensive in Delaware?

At some point, no matter how hard you look, you just can’t find a better deal. It’s not your fault; car insurance costs are rising for everyone. Delaware’s higher rates can be attributed to:

Rising annual premiums: The national average rate for car insurance rose almost 50% between 2021 and 2023.
The cost of medical care: Medical care is getting more expensive. To make matters worse, road rage and distracted driving incidents are on the rise, causing greater numbers of severe injuries.
The cost of repairs: The US Bureau of Labor Statistics noted that prices for car parts jumped 9.1 percent in 2022, the highest increase in 40 years.

FAQ

What increases car insurance rates in Delaware?
Delaware’s higher rates can be attributed to:
- Rising average annual premiums
- Rising costs of medical care
- Increased cost of repairs
Does Delaware require car insurance?

Yes. Like most states, Delaware requires drivers to carry minimum liability coverage to drive legally.
Does insurance follow the car or the driver in Delaware?

In Delaware, car insurance usually follows the car instead of the driver. That means if you let someone else drive your vehicle, they should be covered by your policy if they’re in an accident.

However, to ensure you’re always covered, be sure to check your policy or chat with your provider.
What is full coverage car insurance in Delaware?

In addition to the required 25/50/10 liability coverage, a Delaware full coverage policy will also include comprehensive and collision coverage.
What is the state minimum for car insurance in Delaware?

In Delaware, you need liability car insurance with coverage limits of at least 25/50/10, and Personal Injury Protection (PIP) with coverage limits of at least 15/30. In other words, your liability coverage should provide $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury liability coverage per accident, and $10,000 of property damage liability coverage per accident. As for PIP, you must carry at least $15,000 of PIP coverage per person and $30,000 of PIP coverage per accident in Delaware.
What is the lowest form of car insurance?

Most would consider a parking or storage policy the lowest form of insurance. This type of policy is used for vehicles that are not being driven, so they don’t need liability or collision coverage—instead, they’re covered with a comprehensive-only policy.

If a car is being driven, though, the lowest coverage it can have in most states is liability coverage.
What age is car insurance cheapest?

Car insurance premiums are generally at their lowest when you’re between the ages of 25 and 75. However, how much you pay for insurance will depend on a number of highly individualized factors.
Are rental cars automatically insured in Delaware?

No, rental cars aren’t automatically insured in Delaware. You can buy rental car insurance either at the counter or from a third-party provider. The coverage options cost between $1 to $30 per day. Make sure to check the fine print on your credit card agreement; some cards provide rental car insurance if you use them to pay!
Who has the cheapest car insurance in Delaware?

The cheapest car insurance company in Delaware depends on your driver profile. You can find cheap rates if you have a good driving record, insurance history, and credit score. You can also find better offers if you use a quote comparison app.
Can you go to jail for driving with no insurance in Delaware?

If you drive without insurance in Delaware, you won’t go to jail. That’s not to say that the penalties aren’t steep: you’ll face a $1,500 fine for the first offense, a $3,000 fine for subsequent ones, and a driver’s license suspension of six months.
What happens if the person at fault in an accident has no insurance in Delaware?

If the person at fault in a car accident has no insurance in Delaware, they’re considered an uninsured motorist. Not only will they have to pay for the injured party (or parties) damages out of pocket, but they’ll also face a fine and a driver’s license suspension.
Does Delaware have no-fault car insurance?

Yes, car insurance companies in the state of Delaware offer no-fault car insurance. The state minimum insurance requirements mandate $15,000 of Personal Injury Protection (PIP) coverage per person and $30,000 of PIP coverage per accident.
How much is a no-insurance ticket in Delaware?

A no-insurance ticket in Delaware costs $1,500 for the first offense and $3,000 for all subsequent offenses. Repeated offenders may be required to file for SR-22 insurance. Uninsured motorists also have a harder time finding cheap rates for car insurance due to the lapse in their insurance history.
Does Delaware accept online proof of auto insurance?

Yes, Delaware accepts online proof of insurance. But just to be safe, you might want to keep a paper copy in your glove compartment. If you go over your data limit or forget your phone someday, you could be ticketed!

MEET OUR EXPERTS

R.E. Fulton

Licensed Insurance Agent

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.

Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

^†For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.