Car insurance in Delaware
Delaware is an at-fault state with a minimum liability requirement of 25/50/10. Here's what that means, what it costs, and what to check before you buy.
What the minimums actually mean
$25,000 per injured person, $50,000 total per accident for injuries, and $10,000 for property damage, plus a mandatory no-fault Personal Injury Protection (PIP) benefit of $15,000/$30,000 that pays your own medical costs regardless of fault. Delaware preserves full lawsuit rights with no injury threshold, so it behaves like an at-fault state with a required PIP add-on rather than a true no-fault state.
UM and UIM are required, defaulting to match your liability limits unless rejected in writing.
Estimated cost
$1,097 a year for minimum coverage, $2,970 for full coverage2
Average annual premiums in Delaware for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.
Why this is an average, not a quote
SR-22 & high-risk filings
Delaware doesn't use a standard SR-22; it uses its own FR-19 certification, typically triggered by a DUI, driving uninsured, or reinstatement after suspension (often about 3 years, sometimes with an ignition interlock requirement).
Local conditions worth knowing
The I-95 corridor (Wilmington/Philadelphia spillover) brings heavy congestion, and the mandatory PIP requirement contributes to above-average minimum-coverage costs for a small state.
Frequently asked
- What is the minimum car insurance requirement in Delaware?
- Delaware requires liability limits of at least 25/50/10. $25,000 per injured person, $50,000 total per accident for injuries, and $10,000 for property damage, plus a mandatory no-fault Personal Injury Protection (PIP) benefit of $15,000/$30,000 that pays your own medical costs regardless of fault. Delaware preserves full lawsuit rights with no injury threshold, so it behaves like an at-fault state with a required PIP add-on rather than a true no-fault state.
- Is Delaware an at-fault or no-fault state?
- Delaware is an at-fault state for car insurance claims.
- Do I need an SR-22 in Delaware?
- Delaware doesn't use a standard SR-22; it uses its own FR-19 certification, typically triggered by a DUI, driving uninsured, or reinstatement after suspension (often about 3 years, sometimes with an ignition interlock requirement).
- Is uninsured motorist coverage required in Delaware?
- UM and UIM are required, defaulting to match your liability limits unless rejected in writing.
Sources
- Delaware Code, Title 18, Chapter 39: Motor vehicle insurance.
- Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.
Figures checked against these sources on October 2, 2026.
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