Auto Insurance in Delaware: Everything You Need to Know

Auto insurance is a necessity for any driver on the road, and Delaware is no exception. With a variety of coverage options and providers to choose from, it can be overwhelming to navigate the world of auto insurance. In this article, we’ll guide you through everything you need to know about auto insurance in Delaware.

Minimum Coverage Requirements in Delaware

Like most states, Delaware requires drivers to carry a minimum amount of auto insurance coverage. These requirements are designed to protect you in the event of an accident or other mishap on the road. As of 2021, the minimum coverage requirements in Delaware are:

Type of Coverage	Minimum Required Coverage Amount
Bodily Injury Liability	$25,000 per person/$50,000 per accident
Property Damage Liability	$10,000 per accident
Personal Injury Protection (PIP)	$15,000 per person
Uninsured/Underinsured Motorist Coverage	$25,000 per person/$50,000 per accident

It’s important to note that these are just the minimum requirements. Depending on your individual circumstances, you may want to consider additional coverage options to protect yourself and your vehicle.

Bodily Injury Liability

Bodily injury liability coverage is designed to protect you if you are found responsible for injuries sustained by another driver or passengers in an accident. This coverage can help pay for medical expenses, lost wages, and other damages. It’s important to note that bodily injury liability coverage does not cover your own injuries – only those of others.

In Delaware, the minimum required coverage for bodily injury liability is $25,000 per person and $50,000 per accident. However, you may want to consider additional coverage if you have significant assets that could be at risk in the event of a lawsuit.

Property Damage Liability

Property damage liability coverage is designed to protect you if you are found responsible for damage to another person’s vehicle or property in an accident. This coverage can help pay for repairs or replacements to the other driver’s vehicle, as well as any other property (such as a fence or mailbox) that may have been damaged in the accident.

In Delaware, the minimum required coverage for property damage liability is $10,000 per accident. Again, you may want to consider additional coverage if you have assets that could be at risk in the event of a lawsuit.

Personal Injury Protection (PIP)

Personal injury protection (PIP) coverage is designed to help pay for medical expenses and lost wages for you and your passengers if you are injured in an accident, regardless of who is at fault. In Delaware, the minimum required coverage for PIP is $15,000 per person.

It’s important to note that PIP coverage only covers a portion of your medical expenses and lost wages. Depending on the severity of your injuries, you may need additional coverage to fully protect yourself.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage is designed to protect you if you are in an accident with a driver who does not have insurance or who does not have enough insurance to cover the damages. This coverage can help pay for medical expenses, lost wages, and other damages. In Delaware, the minimum required coverage for uninsured/underinsured motorist coverage is $25,000 per person and $50,000 per accident.

It’s important to note that while uninsured/underinsured motorist coverage is not required in Delaware, it is highly recommended. Without this coverage, you could be left with significant out-of-pocket expenses if you are in an accident with an uninsured or underinsured driver.

Factors That Affect Auto Insurance Rates in Delaware

While the minimum coverage requirements in Delaware are the same for all drivers, how much you pay for your auto insurance can vary widely depending on a number of factors. Some of the factors that can affect your auto insurance rates in Delaware include:

Driving Record

Your driving record is one of the biggest factors that can affect your auto insurance rates. Drivers with a history of accidents or traffic violations are considered higher-risk and will typically pay more for their insurance.

Age and Gender

Younger drivers (under 25) and male drivers are considered higher-risk and will typically pay more for their insurance. This is because statistically, these groups are more likely to be involved in accidents.

Vehicle Make and Model

The type of vehicle you drive can also affect your auto insurance rates. Cars that are more expensive to repair or replace, or that are more likely to be stolen, will typically cost more to insure.

Credit Score

Your credit score can also play a role in determining your auto insurance rates. Drivers with a lower credit score may be seen as higher-risk and will typically pay more for their insurance.

FAQ

Do I Need Auto Insurance in Delaware?

Yes, auto insurance is required for all drivers in Delaware. You must carry at least the minimum amount of coverage required by law.

What Happens if I Drive Without Insurance in Delaware?

If you are caught driving without insurance in Delaware, you could face fines, license suspension, and even jail time. In addition, if you are in an accident without insurance, you could be held financially responsible for any damages or injuries that result.

Can I Purchase Additional Coverage Options?

Yes, you can purchase additional coverage options beyond the minimum requirements in Delaware. Depending on your individual circumstances, it may be a good idea to consider additional coverage to fully protect yourself and your vehicle.

How Can I Find the Best Auto Insurance Rates in Delaware?

The best way to find the best auto insurance rates in Delaware is to shop around and compare quotes from multiple providers. Be sure to compare the coverage options and pricing carefully to ensure you’re getting the best deal.

What Should I Do if I’m in an Accident?

If you’re in an accident, the first priority is to ensure the safety of everyone involved. Call 911 if anyone is injured or if there is significant damage to the vehicles. Exchange insurance and contact information with the other driver, and take photos of any damage. Contact your insurance provider as soon as possible to report the accident and begin the claims process.

The Bottom Line

Auto insurance is a necessity for any driver on the road, and Delaware is no exception. By understanding the minimum coverage requirements, factors that affect insurance rates, and additional coverage options, you can make an informed decision to protect yourself and your vehicle. Remember to shop around and compare multiple providers to find the best coverage and rates for your individual needs.