Delaware- Auto Insurance

Delaware residents must follow specific guidelines about auto insurance coverage.

Guidelines

  • In Delaware, you cannot register your car until you can prove that you have insurance first.
  • Vehicles are randomly checked for insurance coverage in Delaware, and insurance companies are required to notify the state when coverage ends. Not having coverage could result in a fine, loss of registration or loss of driver’s license.
  • For Delaware, the minimums are $15,000 liability for one person injured, $30,000 for all people injured, and $10,000 for property damage.
  • Your insurance company will cover costs for medical expenses and loss of wages for you and your passengers, which under law must be at least $15,000 for one person and $30,000 for all people.
  • Delaware follows a Tort system, which means someone is found to be at fault in an accident who is responsible for all the damages.

Contact:

Delaware Dept. of Insurance
841 Silver Lake Blvd.
Dover, DE 19904
Phone: 1-302-674-7300
Toll Free: 1-800-282-8611

Web Site: www.delawareinsurance.gov
Email: consumer@deins.state.de.us
Delaware (DE) Mandatory Auto Insurance Minimums:

  • Liability: 15/30/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Other Mandatory Insurance: Personal Injury Protection
  • Regulations Regarding Proof of Insurance: Proof Required – If Involved In An Accident, If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory Insurance: Fine up to $2000, suspension up to six months of license

Inside Delaware- Auto Insurance