Delaware Auto Insurance

According to Delaware state law, every driver must have auto insurance. The basic coverage that is required is 15/30/10 coverage. This means that drivers are required to have the following types of coverage included in their policy:

While it is mandatory, the law isn't the only reason to get coverage. Without proper auto insurance, a car crash could cause you more than physical damage – it could ruin your finances as well. So why take the risk? Request your free quote today!

PIP auto insurance in Delaware

Delaware also requires that every motorist have minimum Personal Injury Protection (PIP) limits of $15,000 per person and $30,000 per accident. PIP helps to pay for medical expenses that are "reasonable and necessary" for anyone who is in your car at the time of the accident.

Optional Delaware auto insurance coverage

Unlike some states, Delaware does not require uninsured or underinsured motorist coverage. However, the state does follow a tort legal system when it comes to auto accidents, which means that someone must be found liable for the accident. The at-fault driver is then responsible for any damages that occur as a result of the accident.

Although the state does not require uninsured or underinsured motorist coverage, this option is strongly recommended, due to the high numbers of uninsured drivers on the road.

Cost of Delaware auto insurance

As of July 2009, the average auto premium in Delaware was $2,297, which is more than most of us would like to pay. However, you can shop around for the cheapest policy and be one of the savvy shoppers who pay less. Request a free quote today to start your search for the best Delaware auto insurance policy!