Delaware Car Insurance Coverage: What’s Required by Law

Driving in Delaware requires proof of financial responsibility—minimum liability, personal injury protection (PIP), and for many, UM/UIM coverage. Non‑compliance leads to steep fines, suspensions, and other penalties.

Minimum Required Coverage in Delaware

As of 2025, the state mandates:

• 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 / $30,000 per accident (covers medical bills, lost wages, and funeral costs)

Often cited as “25/50/10 liability + 15/30 PIP.”

Uninsured/Underinsured Motorist (UM/UIM) Coverage

Delaware insurers are required to offer UM/UIM coverage, which you can reject by signing a waiver:

• Bodily Injury: $25,000 per person / $50,000 per accident
• Property Damage: $10,000 per accident

This coverage helps protect you when you’re hit by a driver with no or insufficient insurance.

Optional Coverages to Consider

• Comprehensive (e.g., theft, hail, vandalism)
• Collision (your car’s damage in a crash)
• Medical Payments (MedPay)
• Rental Reimbursement
• Roadside Assistance

Proof of Insurance Requirements

You must carry proof of insurance at all times. Acceptable documents include:

• Insurance ID card (paper or digital)
• Certificate of insurance
• FR‑19 form (filed by your insurer when required)

You may be asked to show proof during traffic stops, accidents, or DMV audits.

Penalties for Driving Without Insurance

• First offense: $1,500–$2,000 fine, 6‑month suspension of license and registration, FR‑19 required
• Repeat offenses within 3 years: $3,000–$4,000 fine, another 6‑month suspension
• Lapse penalty: $100 for the first 30 days + $5/day afterward
• Reinstatement fees: $50–$200 depending on the infraction

At-Fault (Tort) State

Delaware uses a fault-based system for car accidents. The driver who causes the crash is legally responsible for damages and injuries.

High Insurance Costs & Real-World Context

Delaware drivers often pay higher-than-average premiums—over $1,000 per 6 months—even with clean records. Factors include:

• Frequent claims and audits
• Strict enforcement and penalties
• Costly medical and legal expenses

Many drivers reduce costs by taking state-approved defensive driving courses, which can qualify for premium discounts.

Frequently Asked Questions