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Delaware Auto Insurance

Delaware car insurance is pretty straightforward. But that doesn't mean that you're getting the best deal possible.

This guide:

Explains Delaware auto insurance laws and requirements

Describes how Delaware car insurance rates are set

Shows you how to save money with multiple quotes


See How Much You Could Save:


Save $300-400 or more with discount rates from all major auto insurance carriers, as well as local companies in Delaware.

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Delaware auto insurance laws

Delaware is considered a tort state, which means that if you are a resident of the state, you're financially responsible for the damage and injury you cause in an auto accident. Delaware auto insurance laws require that all drivers carry liability coverage to meet this financial responsibility.

Delaware's liability minimums are 15/30/10. (That's $15,000 per person for injuries you cause to the other party, up to $30,000 for all, and $10,000 for damage you cause to the other party's property.)

Delaware auto insurance laws also require personal injury protection (PIP). This policy pays for injuries to you and your passengers regardless of who was at fault in the accident. You are required to carry minimum coverage of 15/30 ($15,000 per person, up to $30,000 total).

These are only minimums, however, and carrying more coverage, particularly liability, is recommended.

Delaware auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists coverage (an important optional policy).


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If you are a Delaware resident, you might be able to save on your policy premium by visiting Electric Insurance. Their policies are available only to better drivers, whose credit and driving records could be described as being at least good.

After you visit ComparisonMarket, get a quote from Electric to see if you qualify.


How Delaware car insurance rates are set

The price of Delaware auto insurance is decided by the behavior of the state's drivers as a whole. Delaware auto insurance companies take the cost of providing insurance for Delaware drivers (this includes settlements and legal fees) and divide it up among the drivers.

But these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.

Of course, not all insurance companies compute their figures in the same manner. So they'll charge different rates on the same driver.

What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an Delaware auto insurance policy. Fortunately,shopping around is easy to do online.

Where to get Delaware auto insurance quotes



The following web sites will help you find Delaware car insurance quotes: (these links will open in a new window)

ComparisonMarket is the most accurate and easiest-to-use online quotes comparison service, and is the site to visit first when you are looking for savings on top-rated coverage.




Netquote is particularly useful if you want a local agent to contact you, and help you tailor your policy to local conditions and requirements (and possibly help you save more money).

Electric Insurance a discount insurance provider for good drivers

Geico - Great for those who can't find other insurance. Be sure to complete the entire quote form!

Get a quote using your ZIP code to find local and national insurers who offer discounts in your area:

ZIP Code:


To speed up the process, you might wish to have some information required for an online quote ready before you begin.

More DE car insurance help

If you want more help designing your DE auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains a lot of money saving advice too.

To find out more about DE auto insurance laws and regulations, visit the official website of the State of Delaware Insurance Department.



Want to learn even more?

Take our quick auto insurance course, and learn the step-by-step to get the most out of your auto insurance policy for the least amount money.

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This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.