Fair and affordable car insurance has finally come to the First State. Whether you’re driving along the Brandywine Valley Byway, cruising down the main drag in Bethany Beach, or navigating rush hour traffic in Wilmington, we’ve got you covered. With Root, safe drivers save up to 52% on car insurance. We think you’re going to love it.
We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.
Here’s how it works:
Root is disrupting the broken insurance industry by bringing fairness and ease to customers across the First State.
Since Delaware is an electronic proof of insurance state, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone. Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the state’s best drivers—from Wilmington to Dover, Newark to Rehoboth Beach, and all points between (we’re looking at you, Brookside).
To legally operate a vehicle in Delaware, you must carry liability insurance, personal injury protection (PIP), and uninsured/underinsured motorist coverage (which can be declined in writing). If you’re found driving without the required insurance, you can face fines of up to $3,000 and suspension of your driver’s license.
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 Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.
You can always opt for higher limits if you want more coverage.
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 who caused the accident.
You can always opt for more coverage if you want.
Uninsured and underinsured motorist coverage will help pay for your expenses when you've been in a car accident with a driver who doesn’t have car insurance, or whose car insurance amounts won't adequately cover your costs. Insurance companies in Delaware are required to offer this coverage as part of your policy. However you can reject this coverage in writing and still be in compliance with car insurance laws.
Again, you can always opt for higher limits if you want.
You must show proof of insurance if you’re stopped by a police officer or involved in a car accident, or when you register your car for the first time or renew a registration. Acceptable forms include:
Failure to present proof of insurance to a police officer at a traffic stop or after an accident may result in a citation. If you’re insured with Root, you can avoid that trouble. As long as you’ve got your phone, you have legal proof through the Root app.
Learn all about Root’s coverage options here:Our Coverages
If you’re found driving without insurance, you’ll face:
The average driver in Delaware pays $1,5262 per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers save up to $1,112/year on average—all while enjoying fair and simple car insurance.