Car Insurance in Delaware
Car Insurance Liability Requirements in Delaware
Minimum Liability Limits in DE: 15/30/10 [ 4]
15 Required coverage up to $15,000 for one individual injured in an accident
30 Required coverage up to $30,000 for all persons injured in an accident
10 Required coverage up to $10,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Delaware
Auto Insurance Coverage Requirements in DE [ 4]
Bodily injury liability coverage Property damage liability coverage Personal injury protection coverage Car Insurance Verification Laws in Delaware
Insurer Verification of Auto Insurance in DE [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Insurer must verify financial responsibility or insurance after an accident or arrest. Insurer must verify randomly selected insurance policies upon request. Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
Delaware Car Insurance Facts, Estimates & Related Laws
Delaware Car Insurance Facts
Average Car Insurance Rates in DE
Delaware had the 6th highest auto insurance rates in the nation in 2010.
[ 2] Rates in DE ranked 5th in the nation in 2009.
[ 2] In 2008, DE had the 6th highest rates in the country.
Number of Auto Insurance Policies in DE
Delaware ranked 47th in the nation in auto insurance policies in 2011 with a total of 618,485.
Uninsured Motorist Rate in DE
The uninsured motorist rate in DE ranked 34th in the nation in 2009.
Delaware Distracted Driving Laws
Hand-held phone ban? Yes hand-held phone ban in place for all drivers. [ 7]
Texting-while-driving ban? Yes Texting-while-driving ban in place for all drivers. [ 7]
Young drivers cell phone ban? Yes Ban applies to learner's permit and intermediate license holders. [ 7]
Bus driver cell phone ban? Yes Ban applies to school bus drivers. [ 7]
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Delaware Automotive Laws
Safety Belt Laws in DE
Safety belt laws have been in place since 1992 and apply to drivers/passengers 16+ years in all seats.
[ 7] Child restraint law in place for 7 years and younger and less than 66 pounds.
Motorcycle Helmet Laws in DE
Motorcycle helmets required for 18 and younger.
[ 7] Each motorcycle operator or rider age 19 and older must carry an approved helmet. [ 7]
Driver's License Renewal Cycle in DE
Renewal cycle: 8 years
Delaware Auto & Driver Facts
Delaware Automotive Facts
Speed Limits in DE
Rural interstates: 65 mph
[ 7] Urban interstates: 55 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in DE
Delaware cities collectively ranked 47th in the nation in total motor fuel consumption in 2011.
Delaware Licensed Drivers
Licensed Drivers in DE [ 10]
Total Drivers: 716,109
DE has the 45th most drivers in the U.S.
Minimum Driving Age in DE [ 5]
Delaware has a minimum driving age of 16 years.
Delaware Auto Registrations
Auto Registrations in DE [ 8]
Registered Cars: 490,696
Registered Trucks: 405,093
Registered Motorcycles: 30,498
Total Registrations: 929,415
Rank: Delaware ranked 45th in the United States in total auto registrations in 2011.
Additional information about Delaware
Delaware has a population of approximately 897,934, which ranks 45th in the U.S. among all states.
More about Delaware auto insurance
For more information about auto insurance in DE, or for additional resources regarding
Delaware car insurance, visit the Delaware Department of Insurance.
Did you know?
Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration