Delaware Auto Insurance Guide for New Drivers
Delaware requires 25/50/10 liability coverage and is an at-fault state.
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Delaware at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP coverage must be on every policy
16
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Delaware operates under a tort-based liability system, meaning the at-fault driver is financially responsible for injuries and damages they cause. The state requires all drivers to carry proof of insurance and file it electronically with the Delaware Division of Motor Vehicles. Delaware is one of 16 states that mandates Personal Injury Protection (PIP) coverage in addition to standard liability limits, according to the Delaware Department of Insurance.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Cost Overview
$438/mo
Typical monthly rate in Delaware, new drivers
Rate data: Insurify, 2026
Start Your First Policy on the Right Foot
Get Your First Auto QuoteRules for new drivers
Night driving
10pm-6am
Passengers
no more than 1 passenger
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
The foundation of your policy — liability insurance (your premium) pays others when you cause an accident. It splits into bodily injury coverage (for people you hurt) and property damage coverage (for vehicles or property you damage).
Full Coverage
A package combining liability, comprehensive, and collision coverage to protect both your legal obligation to others and your own vehicle. Required by lenders if you're financing or leasing, and strongly recommended for vehicles worth more than $5,000.
Comprehensive Coverage
Pays to repair or replace your vehicle after non-collision events: theft, vandalism, hail, flood, fire, or animal strikes. You choose a deductible (the amount you pay out-of-pocket) ranging from $250–$1,000.
Collision Coverage
Covers damage to your vehicle when you hit another car, object, or roll over, regardless of who was at fault. Your deductible applies before the insurance pays — a $500 deductible means you pay the first $500 of repairs.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or a hit-and-run driver who flees the scene. It covers your medical bills, lost wages, and pain and suffering up to your selected limits.
SR-22 Insurance
Not a separate coverage type — it's a certificate your insurer files with the Delaware DMV proving you carry continuous insurance. Required after certain violations like DUI, driving without insurance, or accumulating excessive points.