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delaware car insurance

You may live in the Diamond State, but that doesn't mean your Delaware auto insurance should cost a fortune and send your savings crumbling like coal.

Even though Esurance doesn't currently offer car insurance to Delaware drivers, we're still determined to help you find the right policy at a price you can afford. After all, we love to see drivers getting the coverage they need — no matter whom it's with.

By getting a quote through our award-winning, easy-to-use website, you can compare rates of top companies side by side. That way, you know exactly what you're getting — and more importantly, what you're saving!

required auto insurance coverages in delaware

Liability coverage

Liability coverage can help pay others' expenses if you're found at fault in a car accident. At minimum, your policy needs to have at least the following limits:

  • $15,000 bodily injury coverage per person
  • $30,000 bodily injury coverage per incident
  • $10,000 property damage coverage per incident

You'll often see these limits written as 15/30/10.

Personal injury protection (PIP) coverage

After a car accident, PIP coverage can help cover medical expenses (and more) for you and your passengers, regardless of fault.

Your (PIP) coverage needs to have the following minimum limits:

  • $15,000 PIP per person
  • $30,000 PIP per incident

optional car insurance coverages

With most companies, you'll be able to add the following coverages to your policy:

  • Collision coverage
  • Comprehensive coverage
  • Uninsured motorist coverage
  • Underinsured motorist coverage
  • Towing and labor coverage
  • Rental car coverage

Collision and comprehensive may be required by your finance or lease company.

Uninsured drivers in Delaware

According to a 2011 report by the Insurance Research Council, 11 percent of Delaware drivers were uninsured in 2009. This was below the national average of 13.8 percent, but it still makes for a good deal of risky motorists out there.

Although it's not required, uninsured motorist coverage can come in handy if you're in a crash caused by an uninsured driver.

factors that could influence your delaware car insurance rate

Most insurance companies in the Diamond State consider the following factors when determining your premium:

  • Driving record and claims history
  • Age, gender, marital status, and number of years licensed
  • Year, make, model, and average annual mileage of your vehicle
  • Coverages, limits, and deductibles that you choose for your policy
  • ZIP Code where your vehicle is garaged or parked

alternative car insurance options

Drivers who have unsuccessfully applied for coverage with at least 2 auto insurance companies can notify the Delaware Insurance Commissioner's office. You may be eligible for an assigned risk program that automatically places you with an insurer.

Related links

Esurance Coverage Counselor®
Spend a few minutes with our online counselor for a personalized policy recommendation.

Delaware's Instant Insurance Guide (PDF)
Delaware's Insurance Commissioner created this handy guide to car insurance in the First State.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262