Car insurance · Delaware
Car insurance requirements in Delaware
Liability 25/50/10 plus $15,000 / $30,000 PIP. Claims system: fault-based claims with required pip.
Verified summaryAll Delaware insurance topics
Requirements
Minimum car insurance requirements in Delaware
| 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 |
What the law requires you to carry
- 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
Uninsured drivers
Uninsured motorist coverage in Delaware
Not listed on the DMV page.
Optional coverage
Coverage you can add in Delaware
- Uninsured/underinsured motorist
- Collision
- Comprehensive
- Higher liability and PIP limits
Penalties
Penalties for driving without insurance in Delaware
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.
Good to know
Other things 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.
Contacts
Who to contact in Delaware
- 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.
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Delaware.
Home insurance resources and the health marketplace for Delaware are on its overview page.