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Better rates for better drivers in Delaware

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Fair car insurance in Delaware

From Wilmington to Dover and Newark to Laurel, good drivers in Delaware can get the cheap car insurance rates they deserve. In fact, good drivers could save hundreds. Download our easy-to-use app and see if your good driving can save you money on quality coverage.

How it works

Auto insurance rates are traditionally based on your demographics—think age, marital status, and ZIP code. But Root is a different kind of insurance company. We base rates primarily on how you drive, not who you are. It’s the fair way to price car insurance.

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We use your smartphone to measure your driving behavior. Better driving = more savings.

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You can customize and purchase your policy, all in the Root app.

State car insurance requirements in Delaware

What are the minimum auto insurance requirements in Delaware?

To legally operate a vehicle in Delaware, you must carry Liability insurance, Uninsured/Underinsured Motorist coverage, and Personal Injury Protection coverage. If you are found driving without the correct insurance, you can face fines of at least $1,500 for a first offense and at least $3000 for any additional offenses within 3 years of a prior offense. Your driving privileges will also be suspended for 6 months.

Liability coverage

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Personal Injury Protection and Medical Pay coverages are for). It also doesn’t cover your vehicle, but Collision and Comprehensive coverages do—these additional coverages can help you avoid major expenses in the event of an accident.

Minimum required Liability coverage in Delaware: 

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

  • $10,000 Property Damage

Remember you can select higher limits if you’d like more coverage.

Uninsured/Underinsured Motorist Coverage (UM/UIM)

UM/UIM is another required coverage. This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. It also covers you if you’re in an accident with a driver whose car insurance is insufficient or is considered underinsured.

Car insurance companies are required to offer this coverage as part of your policy. You can reject this coverage in writing and still be in compliance with car insurance laws.

Minimum required Uninsured/Underinsured Motorist coverage in Delaware:

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

Again, you can always opt for higher limits if you want more coverage.

Personal Injury Protection (PIP)

Delaware law also requires you to have personal injury protection (PIP), commonly known as “no-fault car insurance." PIP will help pay for your medical costs regardless of who caused the accident. 

Minimum required Personal Injury Protection coverage in Delaware:

  • $15,000 Bodily Injury (per person)

  • $30,000 Bodily Injury (per accident – multiple people injured)

You can always opt for more coverage if you want.

What other coverages does Root offer?

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Collision

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Rental Car coverage

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Personal Injury Protection

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Medical Payments

(MedPay)

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Comprehensive

(including glass coverage)

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Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in Delaware?

The average Delawarian pays $1757 [1] per year for their auto policy—that’s the tenth highest average in the country. Bad drivers often drive up prices for good drivers, but Root doesn’t insure bad drivers, so our customers could save $900 a year—all while enjoying fair and simple car insurance.

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References

  1. Insure.com. Annual average rates were compiled in April 2020

Additional Resources

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Root Insurance Company

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2020. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between September 2018 - August 2019; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit joinroot.com/califaq for more information.