Delaware Car Insurance (DE)

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The owner or operator of a vehicle must have minimum liability coverage:
- $15,000 per person for Bodily Injury;
- $30,000 per accident for Bodily Injury;
- $10,000 per accident for Property Damage;

Insurance required:
- Bodily injury liability;
- Property damage liability;
- Personal Injury Protection;

Proof of insurance required:
- At registration (NO)
- At time of accident (YES)
- At all times in vehicle (YES)

(I.I.I.) recommends you carry $100,000 of bodily injury protection per person and $300,000 per accident.

Delaware Car Insurance Requirements, Laws and Coverage

Delaware is the only state in America that offers the lowest insurance policy for its residents who want to go behind the wheel. It is indeed easy enough to understand that Delaware offers the lowest policy because of its previous recovering economic status. It also has something to do with its climate, environment and the generally pleasant community.

But even though Delaware may seem a haven for drivers, residents are still required to apply for any type or car insurance policy they want or would want to pay for since having insurance is mandated by law. As ordered, the insurance policy must have 3 parts; the bodily injury protection, property damage and personal injury protection with the lowest quote of 15/10/30. 15/10/30 means $15,000 is entitled to be given to the driver for bodily injury protection, $10,000 for property damage and $30,000 for personal injury protection. And since Delaware provides the lowest quote policy, the payment for other damages incurred in the accident will be paid by the driver or owner of the vehicle.

Like any other state, Delaware also has different insurance companies for your different needs. Of course, companies offer different quotes depending on the factors involved in your application. The most important factors considered are risk, and payment. Generally, risk involves the skill and driving background of the one who is applying for the insurance, neighborhood and personal information. Regardless of all the factors, it is still the choice of the insurance applicant which policy is best and of course how much the payee can pay.

When it comes to choosing your insurance policy, you must not immediately jump to conclusions or be impulsive. Look around for policies and quotes that are flexible enough to accommodate a great bulk of the insurance. In other words, look for an insurance policy with great or high coverage. This way you can minimize the cost you need to pay when accidents do occur. You must also see to it that the policy you apply for is for your best interest and not simply for the sake of it. Moreover, granted that you are already insured don’t forget to register your vehicle to the authorities to make your protection official.

So whatever you do, remember that you must keep your eyes on the road and drive safely.

Delaware Department of Insurance

• 841 Silver Lake Blvd.
• Dover, DE 19904
• Phone: (302) 674-7300
• www.delawareinsurance.gov

Delaware Department of Transportation

• 800 Bay Road
• Dover, DE 19901
• Phone: (302) 760-2000
• Fax: (302) 739-2895
• www.deldot.gov

Delaware Division of Motor Vehicles

• 2230 Hessler Boulevard
• New Castle, Delaware 19720
• Phone: (302) 434-3200
• www.dmv.de.gov

Major Auto Insurance Companies in Delaware

• Nationwide Insurance
• State Farm Insurance
• Progressive Insurance
• Berkshire Hathaway
• Liberty Mutual
• Allstate Insurance
• USAA
• Hartford Fire and Casualty
• AIG
• Sentry Insurance