Delaware Car Insurance - Auto Insurance Quote in DE
Need car insurance in Delaware? You can obtain the best coverage through CarInsurance.com, which provides quotes for motorists in Delaware, a state known historically as the first to ratify the U.S. Constitution in 1787.
| Current average car insurance premium in Delaware | $2,201.80 |
| Current average car insurance premium U.S. | $1,602.16 |
| Wilmington | $2,337.98 |
| Dover | $1,941.63 |
| Check out our car insurance rates in more Delaware cities | |
[Let CarInsurance.com help you find affordable auto insurance now.]
Want to see trends in Delaware's car insurance quotes? Here's CarInsurance.com's Average Premium Trend Tool, a useful feature for getting an idea of rates in the state during the past few months. By holding the mouse over the points, you'll learn Delaware's annual average premium.
There are many quality carriers at CarInsurance.com that can give you all the information required to make a smart decision that fits your insurance needs. Delaware drivers can start with tools to determine what type of coverage is just right for them. We detail the minimum legal requirements in your state and show what other Delaware residents pay for auto insurance.
Delaware state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 15/30/10 coverage.
Minimum Required Insurance Coverage in Delaware:
Bodily Injury Liability: $15,000/$30,000 Limit
Property Damage Liability: $10,000 Limit
Personal Injury Protection: $15,000/$30,000
PIP pays up to $15,000 to any one person involved in a single accident and up to $30,000 to all people involved in a single accident
*Considered a Tort Add-On State
This means they are entitled to receive PIP (no-fault) benefits up to the limits. The benefits are "added on" to any benefits an injured person might be entitled to receive through the tort system (lawsuit).
The state of Delaware follows a Tort system, meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. Delaware state law requires a minimum Personal Injury Protection coverage of $15,000.
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Delaware does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
The options at CarInsurance.com begin with the Minimum State Required package, which guarantee that you are driving within legal limits. But if you prefer added coverage or want to choose a different deductible, you can do that here as well. We have Delaware-licensed agents available to give you guidance as you make choices.
There can be a great range in what one insurance company will charge for coverage over another. It's a competitive landscape - that's why you need to shop around. If you have changes ahead – new drivers, different cars, a new house or job – there is no better time to begin shopping.
Save money by choosing a car no one wants – at least, not ones that Delaware’s car thieves want to steal:
