Delaware Car Insurance
Your Complete Car Insurance Guide for Delaware
Full analysis of COMMUTE TIMES , THEFT RATES and INSURANCE COST in your city.
Popular Questions About Delaware Car Insurance
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 В® agent, you’ll receive a number of quotes to choose from at a rate you can afford.
What does Delaware car insurance actually do for me?
Driving on Delaware roads can be dangerous, and accidents can happen without warning. If you find yourself in one, here’s what your car insurance will do for you .
FIX YOUR CAR
We officially call this “Comprehensive & Collision Coverage.”
FIX SOMEONE ELSE’S CAR
We officially call this “Property Damage Liability.”
REQUIRED | MIN. $10,000
PAY YOUR MEDICAL BILLS
We officially call this “Personal Injury Protection” or “PIP.”
REQUIRED | $15,000
PAY SOMEONE ELSE’S MED BILLS
We officially call this “Bodily Injury Liability.”
REQUIRED | MIN. $30,000
Note that as a Delaware car owner, you’re required to have a certain amount of insurance that will pay for vehicle damage and medical bills. Most states have similar laws to ensure that drivers are prepared for accidents they cause, so consider these mandatory limits when finding an auto insurance policy.
Who pays if the accident wasn’t my fault?
The driver who caused the accident, of course.
How many DE drivers are uninsured:
The problem is this: Sometimes people drive without any insurance. Nearly 12.6% of U.S. drivers are uninsured, without a financial backup plan if they cause an accident.
To protect yourself, look at Uninsured Motorist Coverage. If you are hit by an uninsured driver, your insurance company will attempt to collect compensation from the offending driver. But that rarely works out.
With this specifically designed insurance coverage, the insurance company will pay to fix your vehicle and handle your medical bills.
Delaware does not require you to have uninsured motorist coverage, but you should consider it when you talk to your Trusted Choice agent.