Short answer: Every driver in Delaware must carry at least this coverage. The minimums are in the table below. It’s an at-fault state: the driver who causes a crash is responsible for the damage. Requirements checked against the Delaware Department of Insurance (October 2026).
Delaware car insurance requirements
The minimum limits for Delaware policies:
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $10,000 per accident |
| Personal injury protection (PIP) | $15,000 per person / $30,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing. Compare Delaware with every other state.
What Delaware drivers should know
- Delaware requires at least 25/50/10 liability coverage, plus the other coverages in the table. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- Delaware requires personal injury protection, which pays your medical bills and lost wages after a crash — but it remains an at-fault state for liability.
Home insurance in Delaware
- Coastal homes face hurricanes and nor’easters, and policies near the shore often use separate wind or hurricane deductibles.
- Winter storms, frozen pipes and ice dams cause many claims inland.
Ways to save in Delaware
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.
