Fair auto 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
Traditional auto insurance companies heavily rely on demographics—how old you are, your credit score, marital status, ZIP code, whether you own a home, etc.—when determining your car insurance rate. While we also take demographics into account when determining the rate we offer you, how safe you are behind the wheel is the #1 factor influencing your rate.
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Visit the App Store or Google Play. Sign up in less than a minute.
Drive around
We use your smartphone to measure your driving behavior. Better driving = more savings.
Get your quote
You can customize and purchase your policy, all in the Root app.
State requirements for car insurance in Delaware
What are the minimum auto insurance requirements in Delaware?
To legally operate a vehicle in Delaware, you must carry Liability insurance 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 typically 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.
Personal Injury Protection (PIP)
No-fault car insurance—also called Personal Injury Protection (PIP)—covers your household family members and your medical costs after an accident, regardless of who is at fault for the accident.
You can also opt for Uninsured/Underinsured Motorist Bodily Injury (UM/UIM) coverage, which may cover expenses that were not covered by or exceeded your PIP limits if you are involved in an accident that was the fault of an uninsured or underinsured driver.
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?
Collision
Rental Car coverage
Personal Injury Protection
Medical Payments
(MedPay)
Comprehensive
(including glass coverage)
Roadside Assistance
What is the average cost of car insurance in Delaware?
The average Delawarian pays $2,063 [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.
Start saving on Delaware auto insurance
Get a car insurance quote based primarily on how you drive. You could save hundreds.