Delaware Auto Insurance

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Whether you’ve moved to Delaware from another state, are just getting your license or simply searching for better auto insurance in Delaware, Clovered is the perfect place to start. From the green hillsides of Wilmington to the suburbs of Dover, Delaware auto insurance limits are the same — but rates can vary greatly.

From maintaining minimum state coverages for bodily injury, property damage, uninsured motorists and personal injury protection, not all auto insurance policies are created equal. By teaming up with some of the state’s top insurers, we specialize in finding the best quotes for your specific needs.

Delaware State Minimum Auto Insurance Requirements

If you’re moving to The First State from another state or country, be aware that the Delaware auto insurance limits required may be different than in your previous state. From registering your new address within 60 days to passing state emissions and safety testing, the following Delaware state minimum auto insurance coverages also apply.

  • Bodily Injury: $25,000 per person, $50,000 per accident
  • Property Damage: $10,000 per accident
  • Uninsured Motorist: $25,000 per person, $50,000 per accident
  • Personal Injury Protection: $15,000 per person and $30,000 per accident

What Does Delaware Auto Insurance Cover?

Property Damage Liability

This coverage helps pay to repair the damage you directly cause to another person’s vehicle or their property if you’re at fault. It’s required by law in most states.

Collision Coverage

This coverage helps pay to repair damage to your vehicle if you’re at fault in an accident that involves another vehicle or piece of property. It’s required if you’re financing or leasing your vehicle.

Comprehensive Coverage

This coverage helps pay to repair or replace your vehicle if it was stolen or damaged by something other than a collision, like a hailstorm, tree, fire or vandalism.

Bodily Injury Liability

If you’re at fault in an accident that injures a passenger of another car or pedestrian, this coverage will help to pay their medical bills, legal fees and loss of income.

Personal Injury Protection

Whether you’re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger’s medical bills. Some states make this coverage mandatory.

Medical Payments

This is similar to PIP coverage in that it may help to pay for the medical bills of you and your passenger if you’re involved in an accident, whether you’re at fault or not. It’s different because MedPay is always optional.

Gap Coverage

If your vehicle is totaled in an accident, guaranteed asset protection (GAP) coverage helps to pay the difference between your vehicle’s current worth and what you still owe on your auto loan.

Towing & Labor

An optional coverage, towing and labor may be added to your auto insurance policy to get you out of binds. This pays for a tow truck to pick up your vehicle and take it to the nearest repair shop.

Rental Car

You may add rental car coverage that pays for a rental car while your vehicle is in the shop. But nearly every auto policy also covers the vehicle and passengers when you’re driving a rental car.

Uninsured Motorist

This coverage is within your own auto policy and helps to pay for repairs to your vehicle or for your medical bills if a driver who’s at fault doesn’t have auto insurance.

Underinsured Motorist

This coverage is also within your own auto policy, helping to supplement the remaining expenses to repair your vehicle and pay your medical bills if the other driver doesn’t have sufficient coverage.

How Much Is Car Insurance in Delaware?

Car insurance in Delaware is well above the national average, tipping the scale at just under $1,150 per year for full coverage. Depending on a number of factors, including your driving record, type of vehicle and amount of coverage, you could actually pay less or more than that state average.

To get a quote for the best and maybe the cheapest car insurance in Delaware, call our team of licensed agents at 833-255-4117.

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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.

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