Comparing auto insurance in Delaware is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Delaware drivers may want to consider comprehensive coverage because coastal storms, flooding, theft, vandalism, deer collisions and severe weather can cause losses that state-minimum liability and PIP coverage will not pay for.
Delaware average rates are above Bankrate’s listed national averages for both full and minimum coverage. Premiums can rise further after speeding tickets, at-fault accidents, DUI convictions, poor credit or coverage lapses.
25/50/10
Delaware requires at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $10,000 property damage liability. Delaware also requires personal injury protection coverage of at least $15,000 for any one person and $30,000 for all people injured in one accident.
At Fault
Required
Delaware requires personal injury protection coverage of at least $15,000 per person and $30,000 per accident. PIP helps pay medical expenses and lost wages for the driver and passengers regardless of who caused the accident, and Delaware’s guide also says minimum PIP includes up to $5,000 for funeral expenses.
Offer/Rejection Rule
Uninsured/underinsured motorist coverage is not mandatory in Delaware, but insurers are required to offer it. Delaware Department of Insurance materials describe UM/UIM as optional coverage that can protect drivers after an accident involving an uninsured, hit-and-run or underinsured driver.
Recent rate data estimates Delaware annual auto insurance premiums at about $2,970 for full coverage and $1,097 for minimum coverage.
| Driver Profile | Estimated Annual Premium | Estimated Monthly Premium |
|---|---|---|
| State minimum coverage | $1,097 | $91 |
| Full coverage | $2,970 | $248 |
| Full coverage with speeding ticket | $3,640 | $303 |
| Full coverage after at-fault accident | $4,080 | $340 |
| Full coverage after DUI | $5,286 | $441 |
| Full coverage with poor credit | $5,061 | $422 |
Bankrate, 2026
Source: Bankrate
Average rates are sample premiums and will vary by ZIP code, driver profile, vehicle, coverage limits, deductibles, credit tier and insurer.
Delaware minimum coverage focuses on required protection such as Delaware requires at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $10,000 property damage liability. Delaware also requires personal injury protection coverage of at least $15,000 for any one person and $30,000 for all people injured in one accident.. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
I did not find an official Delaware DMV page confirming a standard SR-22 filing requirement. Delaware Department of Insurance guidance instead points insurers to DMV financial responsibility forms including FR1, FR4 and FR19. Drivers with a suspension, uninsured vehicle issue or court order should follow the specific DMV or court notice they receive.
Delaware does not appear to use FR-44 filings.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Delaware auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Delaware drivers, including:
Ask about bundling, safe-driver, paid-in-full, good-student, multi-policy, multi-vehicle, anti-theft and telematics discounts. Delaware’s insurance guide also notes that approved defensive driving courses may qualify eligible drivers for a discount.
Ask about available discounts when comparing quotes.
| Rank | Carrier |
|---|---|
| 1 | Geico |
| 2 | USAA |
| 3 | State Farm |
| 4 | Nationwide |
| 5 | Allstate |
Carrier pricing and availability vary by ZIP code and driver profile. USAA eligibility is limited to military members, veterans and qualifying family members.
Find auto insurance in these major Delaware cities:
Delaware requires 25/50/10 liability coverage: $25,000 bodily injury liability per person, $50,000 per accident and $10,000 property damage liability. Delaware also requires personal injury protection coverage of at least $15,000 per person and $30,000 per accident.
Delaware requires no-fault-style PIP benefits, but it is not a pure no-fault state for liability. PIP can pay medical expenses and lost wages regardless of fault, while the at-fault driver can still be financially responsible for injuries and property damage.
Yes. Delaware requires personal injury protection coverage of at least $15,000 for any one person and $30,000 for all people injured in one accident.
No. Uninsured/underinsured motorist coverage is not mandatory in Delaware, but insurers are required to offer it. Drivers should review the option carefully before rejecting it.
Bankrate lists Delaware’s average annual cost at $2,970 for full coverage and $1,097 for minimum coverage. Actual quotes depend on ZIP code, driving record, vehicle, coverage limits, deductibles, credit tier and insurer.
I did not find an official Delaware DMV page confirming a standard SR-22 filing requirement. Delaware uses DMV financial responsibility forms such as FR1, FR4 and FR19 for insurance reporting and certification, so drivers should follow the specific DMV or court notice they receive.
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Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
