Delaware Car Insurance

Your Complete Guide to Car Insurance in Delaware

How Much Does Delaware Car Insurance Cost?

Delaware drivers pay more than most other drivers around the nation. But auto insurance all depends on what kind of coverage you need and a number of individual characteristics you have.

On average, Americans pay $1,474 per year for their auto insurance, while Delaware drivers pay, on average, about $1,580 per year. When you partner up with a Trusted Choice® agent, you'll receive a number of quotes to choose from at a rate you can afford.

Auto insurance premiums in Delaware are higher than the national average, but Trusted Choice agents can help you find discounts to make your policy more affordable. There are several key factors that will determine the cost of your car insurance: the make and model of your car, how often you drive, and your driving record will all be used to determine your rate quote. 

Delaware Car Insurance Requirements

  • Body injury liability: Required
  • Property damage reliability: Required
  • Personal injury protection (PIP): Required
  • Minimum liability limits: 15/30/10

Delaware laws require all drivers to have liability insurance. Coverage minimums are $15,000 for individual bodily injury, $30,000 for all injuries in an accident, and $10,000 for property damage per accident. Keep in mind that if you get into an accident and the costs exceed your coverage limits, you will have to pay the rest out-of-pocket. Often, it’s well worth it to invest in a higher liability limit just so that you are protected in case an accident does occur.

Number of Uninsured Motorists in Delaware

  • Number of uninsured US drivers: 12.6%
  • Number of uninsured Delaware drivers: 11.5%

The screeching of tires, the shattering of glass … it only takes a split second for an accident to change your life forever. If you get into a collision and the other driver isn’t insured, how will you cover the costs to repair your car and get medical care? Invest in uninsured motorist coverage so that you have peace of mind, and always have a backup plan in case an uninsured driver hits you.

Number of Auto Thefts in Delaware

  • National number of thefts per 1,000 vehicles: 2.94
  • Number of thefts per 1,000 vehicles in Delaware: 1.57

While the number of auto thefts in Delaware is lower than the national average, it’s still a significant concern if you live in this state. Make sure you always keep your car doors locked and park in a well-lit area. Never leave your car running unattended. As you shop for auto insurance, look for policies that include coverage for auto theft.

Find a Great Dover Car Insurance Policy

Before you venture out onto the busy roadways of Delaware, make sure you’re covered with the best car insurance policy. The independent insurance agents at Trusted Choice can walk you through your options and provide quotes on multiple policies so you can compare prices and benefits and choose the plan that is right for you. Contact a Trusted Choice agent today to learn more about Delaware car insurance and get your personalized quote.

Now, who's ready to get their insurance problems solved?