Delaware Car Insurance

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Key takeaways...
  • Delaware requires drivers to carry car insurance
  • Delaware has no-fault insurance laws
  • It’s a good idea to consider many factors when deciding on a car insurance company

Although Delaware is a small state it’s also home to some of the busiest roads in America and all drivers are required to have car insurance.

Fines in Delaware for driving without car insurance coverage are stiff and it is illegal not to have sufficient car insurance which meets Delaware minimum car insurance requirements.

Some Delaware residents have short commutes to work but you will need auto insurance coverage regardless of how little you use your vehicle.

The law is mandatory and accidents are never planned so obtaining affordable and reliable car insurance coverage is the only responsible thing to do as a Delaware resident.

Click here to compare Delaware car insurance companies online.

Does Delaware have no-fault car insurance laws?

Yes. Delaware is one of around a dozen states with no-fault car insurance laws. This form of law helps prevent litigation for drivers involved in smaller accidents as no liability has to be determined in order for an insurance company to pay.

Whenever a car accident happens, the car insurance company of each party involved will pay for damages pertaining to the party they insured (regardless of fault).

Because of the no-fault car insurance laws in Delaware, the state requires all vehicle owners to carry PIP (Personal Injury Protection) which is insurance coverage to assist with medical or death related expenses for the insured party.

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Minimum Delaware Car Insurance Requirements

Delaware has a few mandatory car insurance requirements for all owners of vehicles registered in the State.

Because of the no-fault car insurance laws in Delaware, the state requires all vehicle owners to carry liability coverage, property damage insurance and Personal Injury Protection (PIP) to assist with medical or death related expenses for the insured party.

The 2010 mandatory minimum liability insurance requirements in Delaware are:

  • Bodily Injury Liability  Provides coverage for health/medical costs for persons in another vehicle. Delaware requires at least $15,000 in coverage for injuries sustained by a single person with a $30,000 minimum coverage limit for all individuals who were injured
  • Property Damage Liability   $10,000 for damages sustained to other person’s property

How to compare Delaware car insurance companies?

Since Delaware is a pretty competitive market for auto insurance finding a licensed car insurance company will be easy. The more difficult part will be finding the best terms of coverage within your price range.

Most Delaware drivers start the search for affordable Delaware car insurance online so they can accomplish the following:

  • Learning about discounts available
  • Understanding the types of coverage available
  • Understanding policy details such as limits and deductibles
  • Getting car insurance quotes all from the comfort of their home

Of course, some people still prefer to visit a live agent but at the very minimum, any Delaware driver should always try to study up on car insurance before renewing or applying for a new policy.

Compare car insurance quotes right here to find the best coverage for the best rate. Enter your zip code below to get started.

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