Delaware Car Insurance Requirements (2024)

Delaware Car Insurance Regulations & Required Coverage: Understanding the insurance regulations and coverage requirements in Delaware is crucial for all drivers. This comprehensive article provides valuable information on Delaware’s car insurance laws, including the mandatory liability coverage limits, unique tort system, and the requirement for Personal Injury Protection (PIP) coverage.

We also cover additional insurance options such as uninsured/underinsured coverage, comprehensive and collision coverage, and rental reimbursement. To ensure you have the best coverage at competitive rates, enter your zip code now and compare quotes from top insurance providers in Delaware. Don’t miss out on the opportunity to protect yourself and your vehicle while saving money.

Read more: Delaware Car Insurance Discounts

Required Coverage

All personal vehicles in Delaware require the following liability coverage requirements:

• Bodily Injury
• Property Damage

Additionally, all policies must also include the following:

• Personal Injury Protection (PIP)

Delaware is a bit unique as it’s one of the only states operating under tort insurance law to require PIP coverage. This covers up to $15,000 for medical expenses and lost wages to any one person in a single accident and up to $30,000 to all people involved in a single accident with no more than $15,000 for each person. This also includes up to $5,000 for funeral expenses.

Additional insurance coverage can include:

• Uninsured / Underinsured Coverage
• Comprehensive and Collision Coverage
• Towing and Labor Coverage
• Rental Reimbursement Coverage

Uninsured or underinsured coverage will pay for expenses incurred by being in an accident with another driver who is not insured or does not have enough insurance to pay for the related costs. Even though it’s illegal to drive in Delaware without car insurance, there are still people that do and if the driver is insured, they still may not have enough coverage to pay for all damages.

Comprehensive coverage pays for the cost of repairing your vehicle after a non-collision related incident such as hail or fire damage. Collision will pay for repair and replacement costs for your vehicle for accidents. If your vehicle is on the list of most stolen vehicles in Delaware, you should strongly consider having this coverage.

Towing and labor will cover expenses related to towing your car if you need roadside assistance or after an accident.

Rental reimbursement coverage pays the cost to rent a temporary vehicle or for other transportation costs if your primary vehicle is being repaired or in the process of being replaced.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

• Get a standard liability car insurance policy

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

• Insurance ID Card
• Insurance Policy

You must maintain proof of insurance and financial responsibility and present it:

• When asked by a police officer
• If being audited by the DMV
• After an accident
• Anytime you are operating a vehicle

Failure to Maintain Financial Responsibility Penalties

If you cancel your insurance coverage and do not notify the DMV of new coverage, you can face the following penalties:

• Fines of up to $1,500 for a first offense and $3,000 for additional offenses within 3 years of a previous offense
• Your driver’s license will be suspended for 6 months

Delaware Insurance Agents

Wilmington Car Insurance | Dover Car Insurance | Newark Car Insurance | Bear Car Insurance | Odessa Car Insurance | Rehoboth Beach Car Insurance