Delaware Auto Insurance

The state of Delaware is considered a tort state. A tort state requires that drivers purchase liability insurance coverage to protect themselves and their property in the case of an accident. The word “tort” comes from Latin roots where it means “wrong.” In this case, tort means to seek out blame for something, so in a “tort” state, if you are found at fault then you pay for the bill. This is important because it means that Delaware drivers can be held responsible for unlimited damages if they cause an accident, even if the damages exceed their auto insurance coverage.

Minimum Delaware Coverage Requirements

For liability insurance in a state, there are generally minimum requirements that the law requires all drivers to purchase. Delaware auto insurance requires coverage in the amount of 15/30/10, meaning $15,000 for single person injury, $30,000 for all injuries, and $10,000 for property damage. These are minimums for Delaware drivers, but should not be considered adequate coverage since individuals are responsible for any amount of damage they cause in excess of their car insurance coverage.

Also, Delaware requires drivers to have what is often referred to at PIP coverage or Personal Injury Protection. The Delaware auto insurance minimums for PIP coverage are 15/30, which translates to $15,000 per person and up to $30,000 for multiple people involved in an accident. Delaware is one of the only states that require PIP coverage.

How Delaware Car Insurance Rates are Determined

Many factors that determine Delaware auto insurance rates are controlled by the driver. For instance, the car you drive can impact your insurance premium, or your driving record (good or bad) can affect your rates. Additionally, your age, city or county where you reside, credit record, criminal record, and even your marital status can all lower or raise your premiums. The insurance companies factor all of these things in when determining the final rate you pay for auto insurance.

Recents statistics for the United States shows Delaware ranking at 9th most expensive state to purchase insurance, with an average annual expense of $972.72. On average, residents paid $662.54 for liability coverage, $284.52 for collision coverage, and $114.82 for comprehensive coverage on their auto insurance premiums.

Delaware Auto Insurance Companies

Since Delaware is one of the more expensive states in which to purchase auto insurance, it is very important for drivers to shop around to make sure they are getting competitive rates.

More Information for Delaware Drivers

Delaware Department of Insurance
841 Silver Lake Blvd.
Dover, DE 19904
Phone: (302) 674-7300

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For other Delaware Insurance Resources, See:

• Delaware Health Insurance
• Delaware Home Insurance

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