Car Insurance in Delaware
Figures updated
Delaware driver costs, the legal minimum and the insurer with the lowest rates.
- $145.Average monthly price for full coverage
- 25/50/10.Lowest liability limits
- 13th of 51most expensive state (1st = highest)
Delaware car insurance costs
With full coverage, the average driver in Delaware pays $1,746 each year, or about $145 monthly. Policies with only the legal minimum cost an average of $1,045 yearly This runs 8% above the US yearly average of $1,613
| Coverage in Delaware | Per year | Per month |
|---|---|---|
| Liability | $1,045 | $87 |
| Collision | $487 | $41 |
| Comprehensive | $214 | $18 |
| Full coverage (all three) | $1,746 | $145 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Delaware's legal minimum
Delaware sets a minimum liability requirement of 25/50/10. Each person hurt is covered for $25,000. The limit for everyone hurt in one crash is $50,000. Damage to other people's property is covered for $10,000.
Personal injury protection is mandatory in Delaware. After a collision, it pays your own medical bills.
You aren't required to carry uninsured motorist cover. However, in most states insurers have to offer it.
How many Delaware drivers lack insurance?
In 2023, about 18% of Delaware drivers had no car insurance. This was the 13th highest rate among the 51 If an uninsured driver hits you, uninsured motorist cover pays your bills
It was first written on