Car Insurance in Delaware: 2026 Rates & Requirements

Delaware requires one of the higher PIP minimums in the country - $15,000 per person, $30,000 per accident - and the state consistently ranks among the more expensive in the Northeast for car insurance as a result.

Minimum Insurance Requirements in Delaware

Delaware requires drivers to carry at least $25,000/50,000 in bodily injury liability (per person / per accident) and $10,000 in property damage liability. Delaware requires $15,000/$30,000 in Personal Injury Protection (PIP) in addition to its liability minimums. Delaware is a no-fault state: your own PIP coverage pays your medical bills after an accident regardless of fault, and your right to sue the at-fault driver for pain and suffering is limited to more serious injuries. These are legal minimums, not a safety net for your own finances — most independent advisors recommend carrying meaningfully higher limits than the state requires, especially if you own a home or have savings to protect.

What Drives the Cost of Car Insurance in Delaware

Wilmington and the northern part of the state, close to the Philadelphia metro area, carry the highest premiums, driven by dense traffic and higher accident frequency than Delaware's more rural southern counties. As a no-fault state, the mandatory PIP requirement means every driver's own insurer covers a substantial amount of medical costs after an accident regardless of fault, and that cost is priced into every policy statewide - a major reason Delaware's premiums run above what its relatively modest liability minimums alone would suggest.

Get Your Own Delaware Estimate

The figures above are state averages for a 35-year-old driver with a clean record and full coverage — useful as a benchmark, but your own rate depends on your exact ZIP code, vehicle, driving history, and coverage choices. Run your own free, no-signup estimate below, pre-filled for Delaware.