Auto insurance protects you and the passengers in your vehicle in the event of an accident. In Delaware, for every vehicle you own, there are minimum requirements that your insurance policy must meet. Your insurance must cover:
- $15,000 for death or injury for one person.
- $30,000 for death or injury for two or more persons.
- $5,000 for property damage.
The State of Delaware Department of Motor Vehicles audits all vehicles to ensure all drivers have insurance. If you receive an audit on your vehicle, you must get an Insurance Certification Form (FR-19) from your insurer. If your insurance provider cancels your coverage, it will then file a Notice of Cancellation with the DMV. This notice gives you 30 days to find a new policy.
Sample of Annual Delaware Auto Insurance Rates
Dover Auto Insurance
Dover is the capital of Delaware and its second largest city. It is also home of the Dover International Speedway and the historic home of John Dickinson - a signer of the U.S. Constitution.
U.S. Highway 13 connects Dover with Wilmington, Delaware to the north and to Norfolk, Virginia to the south.
Wilmington Auto Insurance
Often referred to as the "corporate capital of America," nearly half the nation's Fortune 500 companies are headquartered in Wilmington, Delaware. Located approximately at the midpoint between New York and Washington, Wilmington is also home to a number of museums, including the Delaware Center for the Contemporary Arts, the only contemporary art museum in the state.
Located along Interstate 95, the highway connects with Baltimore to the southwest and Philadelphia to the northeast. Interstate 95 is just one of three major interstate highways, state highways and scenic U.S. routes that connect Wilmington to much of the eastern seaboard.
Newark Auto Insurance
Home of the University of Delaware, Newark is located just west of Wilmington. Newark is the third largest city in Delaware, and was named a "Great American Main Street" in 2011.
Interstate 95 connects Newark with Wilmington to the northeast and Baltimore to the southwest. U.S. Highway 13 leads south to Dover.
Milford Auto Insurance
Incorporated in 1807, settlers first made their homes on the Kent County side of Milford in 1680 on what was then known as the "Saw Mill Range." Today Milford hosts several regional events, including the Bug and Bud Festival and the Riverwalk Freedom Festival.
Delaware Route 1 connects Milford with Dover, Delaware to the north and to Prime Hook National Wildlife Refuge to the southeast. U.S. Highway 113 leads south to Georgetown, Delaware.
Lewes Auto Insurance
Lewes is nestled between the Cape Henlopen State Park and the Great marsh Preserve and Prime Hook National Wildlife Refuge along the Delaware Bay. Founded by the Dutch in 1631, Lewes prides itself on melding the historic with natural beauty.
U.S. Highway 9 leads southwest out of Lewes and into Georgetown, Delaware. Delaware Route 1 passes through the Prime Hook National Wildlife Refuge and continues to Milford, Delaware.
Georgetown Auto Insurance
The center of Georgetown, known as The Circle, is listed in the National Historic Record, and every two years is home to the Return Day celebration. Georgetown is the seat of Sussex County and was founded in 1791.
U.S. Highway 113 leads north through the Redden State Forest to Milford, Delaware and south to Millsboro, Delaware. U.S. Highway 9 leads northwest to Lewes, Delaware on the Delaware Bay, and southwest to Laurel, Delaware.
New Castle Auto Insurance
New Castle calls itself the oldest continuously occupied town in the Delaware Valley. It was settled by the Dutch West India Company in 1651. Overlooking the Delaware River and located just 10 minutes south of downtown Wilmington, its historic district has hundreds of buildings dating back to the 1700s.
Delaware Route 1 leads south to Dover, Delaware. Interstate 295 leads northeast toward Philadelphia, and Interstate 95 travels southwest to Baltimore.
Ocean View Auto Insurance
In the early 20th Century, an Ocean View resident was the first to raise broiler-fryer chickens, making the city known as the birthplace of the broiler industry. Today, Ocean View is known as a quant village adjacent to the Atlantic Ocean.
Delaware Route 1 travels north and south along the Atlantic Ocean and through the Assawoman Wildlife Area to Fenwick Island. Delaware Route 26 heads west to Dagsboro.
Millsboro Auto Insurance
Named after the many grist mills in and around town, Millsboro is a quintessential rural hometown. Located on the headwaters of the tidal Indian River, Millsboro is a quick drive to many beachside attractions. One of the most popular cultural events within Millsboro is the Nanticoke Indian Tribe's annual Powwow. Three freshwater ponds offer fishing and boating opportunities.
Millsboro is located at the intersection of U.S. Highway 113 and Delaware Route 24. Georgetown is a quick drive north, and Bethany Beach and Delaware's Atlantic Ocean resorts are about 30 minutes to the east.
Camden Auto Insurance
The village of Camden was well established by the late 1700s. Camden is minutes from the Dover Air Force Base and many Dover-area amenities. Camden has many historic homes and easy access to transportation.
Camden is located at the intersection of Delaware Route 10 and U.S. Highway 13. Dover is immediately to the north and east of Camden. Salisbury, Maryland is south on U.S. 13.
Finding Auto Insurance Resources in Delaware
As a resident of Delaware, there are many places you can go to learn more about auto insurance in the state. To start learning about auto insurance, the state DMV offers valuable data, contact details, and up-to-date regulations.
In Delaware, you cannot self-insure or leave a bond to satisfy your financial requirements. Under Regulation 608, every auto insurance provider must provide contact information to the Department of Insurance, including telephone numbers and e-mail addresses. If you have complaints or troubles when finding insurance, you can file arbitration with the Insurance Commissioner's Office.
Tips for Finding Affordable Delaware Auto Insurance
As a resident of Delaware, there are many places you can go to learn about auto insurance in the state. You should go to the local DMV or speak with your insurer to learn about the state's insurance regulations. You can save money on your auto insurance by:
- Getting quotes from different companies and comparing prices.
- Taking a Defensive Driving Course to lower your rates.
- Asking about discounts for security features, such as anti-lock brakes, air bags, and passive restraint systems.
- Seeking companies that offer bundle discounts for home and auto insurance.
If you are older than 18 and you haven't bought auto insurance before, you may have to pay higher rates. However, you can save money by asking about discounts that may be available to you. For inexperienced and younger drivers, these include discounts for good grades and driving safely.
Moving to Delaware: Important Information
If you're moving to Delaware, you must apply for a Delaware driver's license within 60 days of becoming a resident. To get your license, you will have to go to the local DMV office and turn in the following documents:
- Your out-of-state driver's license or a copy of your driving record.
- Birth certificate, proof of Social Security Number, and two proofs of Delaware residency.
Once you turn in your papers, you will also have to fill out an application and pass a vision test.
If you've purchased a car out-of-state, you have 60 days to title and register your vehicle. Additionally, you are also required to do the following:
- Provide your valid insurance policy.
- Present your vehicle at a DMV office along with your certificate of title or current registration.
- Make sure your vehicle will pass a vehicle inspection.
- Complete a Certificate of Title application (MV-212.)
Understanding Driving Laws in Delaware
To minimize risk, you need to be aware of the unique driving laws in the state.
Driving under the influence of drugs or alcohol is illegal and strictly enforced, as it is in every state. If caught with a blood alcohol content (BAC) of 0.08 percent or higher, you risk license suspension, jail time, and fines. According to the Implied Consent law, police officers can chemically test any driver suspected of driving under the influence. Additionally, Delaware's zero tolerance law allows immediate license suspension for underage drivers with a BAC of 0.02 percent.
Delaware does not have strict driving laws regarding cell phones. Adults are free to use their cell phones while driving, although a hands-free device is recommended. If you are under 18 years of age, any use of cell phones or other devices results in a 30-day license suspension.
Frequently Asked Questions About Delaware Auto Insurance
1. What is the difference between comprehensive and collision coverage?
Collision coverage only covers you when you have a collision with another car or object. Comprehensive coverage covers you in the event of theft, weather-related damage, cracked or broken windshields, and other ailments. Although comprehensive is much cheaper, it is also riskier if you do have a collision.
2. What are some ways to lower teenage premiums on a family policy?
If it is possible, purchase an inexpensive car for your teenager. Letting your teen drive a nicer car actually raises the premium, while a modest car keeps the prices manageable. Also, a driver's education course, good grades, and maintaining a good driving record may qualify for teen for discounts.
3. What is Delaware Personal Injury Protection (PIP) insurance?
PIP is a type of no-fault insurance law in Delaware. If you are in an accident, the PIP insurance covers your medical bills and lost wages. However, under Delaware state law, you are still able to sue the person who caused the accident.
How to Get Great Rates on Delaware Auto Insurance
Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.
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insuranceQuotes.com Auto Rate Methodology
Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.