State guide
Insurance in Delaware
Required coverage, penalties, official contacts and sources for Delaware, reviewed 2026-10.
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Car insurance
What Delaware requires.
Liability 25/50/10 plus $15,000 / $30,000 PIP. Claims system: fault-based claims with required pip.
| Coverage | Requirement in Delaware |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $10,000 per accident |
| Injury protection | Personal injury protection (PIP): $15,000 for any one person and $30,000 for all persons injured in any one accident |
| Uninsured / underinsured motorist | Not listed on the DMV page |
Required coverage
- Liability coverage of $25,000 / $50,000 / $10,000 on every registered vehicle
- PIP of at least $15,000 for any one person and $30,000 for all persons injured in any one accident
- A valid Delaware insurance identification card in the driver's possession or in the vehicle
Other coverage commonly available
- Uninsured/underinsured motorist
- Collision
- Comprehensive
- Higher liability and PIP limits
If you drive without required coverage
The Delaware DMV says failure to maintain proper insurance may result in fines and registration suspension. License plates must be surrendered to the DMV before cancelling insurance on any vehicle with an active registration.
Notices
What to know in Delaware.
- The insurance identification card must be produced on request of a police officer or any other party involved in an accident with the insured.
- Insurance from other states is not accepted to title and register vehicles in Delaware.
- The DMV audits vehicles for insurance compliance. Tags are returned at no charge if proper insurance is provided and the registration has not expired.
- The requirements are in Delaware Code Title 21, section 2118.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Delaware Department of Insurance
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Delaware Department of Insurance is the state authority for questions about insurers, agents and complaints.
Health insurance
HealthCare.gov
HealthCare.gov (federal marketplace)
- Delaware is not on HealthInsurance.org's list of state-run or state-based marketplaces for the 2026 plan year, so residents use HealthCare.gov.
- Confirm current enrollment dates and eligibility for financial help on HealthCare.gov.
Contacts
Who to contact.
- Delaware Department of Insurance
- Website: insurance.delaware.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
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