Auto Insurance in Delaware (DE)

Factors that Affect Auto Insurance Rates in Delaware

Delaware is a state with a lot of history packed into a small area. Unfortunately, drivers in the state are subject to higher insurance rates because of the density of the population, which is historically a factor when insurance companies calculate customers’ premiums. Delaware is considered one of the top ten most expensive states for car insurance. However, the rate you end up paying depends on many other factors, such as your driving record, the type of car you own, and how often you drive.

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How much auto insurance do I need in Delaware?

As a driver in Delaware, you are required by law to carry bodily injury and property damage liability coverage as well as a valid insurance identification card in the vehicle. The minimum amount of bodily injury coverage required by the law is $15,000 per person and $30,000 per accident. You must also carry at least $10,000 in property damage liability coverage.

Delaware also requires resident drivers to carry personal injury protection. The minimum levels you must have are set at $15,000 per person and $30,000 per accident. However, when you are buying insurance, you should remember that these are only minimum requirements. Most industry professionals recommend levels substantially above the minimum.

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What kind of discounts can I get on my auto insurance in Delaware?

As a driver in Delaware, you may be eligible for discounts on your car insurance premium if you have more than one vehicle on the policy, have cars equipped with airbags or anti-theft devices, are over the age of 55, or have a good driving record.  Additionally, you may receive a ten percent discount on parts of your insurance if the drivers in your household complete a state-approved driving course.  The discount can go up to 15 percent if you complete a refresher course after three years.

Some companies that offer auto insurance in Delaware are AAA, AIG, Allstate, Amica, Chubb, Comparison Market, Electric Insurance Company, GMAC Insurance Online (National General), Horace Mann, Insurance.com, Prudential, State Farm, and Travelers Insurance.

More Information on Car Insurance in Delaware

Delaware has DMV offices at the following locations:

Airport and Churchmans Road
 New Castle, Delaware 19720

2230 Hessler Boulevard
 New Castle, Delaware 19720

303 Transportation Circle
 P.O. Box 698
 Dover, Delaware 19903

South Bedford Street Extended
 P.O. Box 399
 Georgetown, Delaware 19947

The Delaware Department of Motor Vehicles is also online at www.dmv.de.gov.

*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.