Delaware car insurance: minimums, prices and your estimate
Delaware requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $10,000 of property damage liability (written 25/50/10).
Delaware keeps the at-fault system but also requires PIP of at least $15,000 per person and $30,000 per accident. A first offense for driving uninsured brings a fine of $1,500 to $2,000 and a six-month license suspension.
- Legal minimum
- 25/50/10 + $15k PIP
- Fault system
- At-fault
- Personal injury protection
- Required, $15,000 minimum
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed with limits
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22
What drivers in Delaware can expect to pay
Monthly ranges from our model, anchored to Delaware's position in 7 published price studies from 2025 and 2026 ($3,372 a year for full coverage and $1,350 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $242-$320 | $3,372 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $97-$128 | $1,350 |
| Young driver, full coverage20, own policy, clean record | $450-$674 | $6,744 |
| Senior, full coverage70, clean record | $232-$308 | $3,237 |
| After one at-fault accident35, full coverage | $363-$481 | $5,058 |
| After a DUI35, full coverage | $423-$634 | $6,339 |
| Poor credit35, clean record, full coverage | $431-$620 | $6,306 |
Build your Delaware estimate
Rules worth knowing in Delaware
- PIP pays medical, hospital, dental and surgical bills, lost earnings, substitute services and funeral costs (capped at $5,000) incurred within two years of the crash. You can choose from deductibles and waiting periods your insurer offers.
- Uninsured motorist coverage for injuries and property damage is included unless you reject it in writing on the insurer's form. The property damage part has a $250 deductible unless you agree otherwise in writing.
- Insurers must offer extra uninsured motorist limits up to 100/300, but not above your liability limits, and that extra coverage includes underinsured motorist protection.
- Insurers cannot deny, cancel or nonrenew your policy, or set renewal rates, based solely on credit. They cannot pull your credit at renewal unless you ask, and must re-rate you on request up to once every 12 months.
- Credit-based insurance scores cannot use your income, gender, education, ZIP code, race, religion or marital status. State law also bars insurers from discriminating based on race, color, religion, sexual orientation, gender identity, military status or national origin.
- If Delaware requires proof of financial responsibility, you can provide a certificate from your insurer, commonly called an SR-22; the state sets how long you must keep it, so check with the Delaware DMV.
Questions about Delaware car insurance
What is the minimum car insurance in Delaware?
Delaware requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $10,000 of property damage liability (written 25/50/10).
How much is car insurance in Delaware per month?
For a 35-year-old with a clean record, our model puts full coverage at about $242 to $320 a month and state-minimum coverage at about $97 to $128. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Delaware a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Delaware use my credit score?
Yes, within limits set by state law, so better credit usually means a lower price when you buy a new policy.
Do I need an SR-22 in Delaware?
Only if a court or the state requires one, usually after a serious violation or a lapse. If Delaware requires proof of financial responsibility, you can provide a certificate from your insurer, commonly called an SR-22; the state sets how long you must keep it, so check with the Delaware DMV.