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Delaware Minimum Liability Insurance Requirements

The state requires a minimum level of liability insurance for each driver to operate a motor vehicle in Delaware. If proper insurance is not maintained while driving your license may be subject to suspension. Any insurance company that is licensed to operate in Delaware will offer a minimum level as follows:

$15,000 in Bodily Injury per person
$30,000 in Bodily Injury per accident
$10,000 in Property Damage

Be sure to carry proof of liability insurance on your person or in the vehicle while driving.

What Is The Average Premium for Auto Insurance in Delaware?

$84 per month

According to information by the National Association of Insurance Commissioners for 2007 the estimated monthly average is $84. This is an estimate of the combined average premium per insured vehicle with liability and may include comprehensive or collision coverages.

Are you paying too much for auto insurance, get quotes to compare rates in your area.

What level of liability limits should I carry in Delaware?

Consider that Delaware is one of the most expensive states to live in and now consider that it has one of the lowest required liability limits of all the states. Many people in Delaware drive vehicles that cost over $30,000 but if you only have $5,000 in property damage coverage you will owe the difference. Also the cost of medical treatment and other expenses related to an accident can reach $100,000 or more without a law suit.

Consult the advice of a licensed insurance agent in Delaware to get a estimate of what limits you should have on your auto policy.

What is Delaware Form FR-19?

The Form FR-19 provides proof of continuous liability insurance to the state. It is usually required when the DMV audits your proof of insurance and can be provided by your insurance company. The form shows coverage in force since the verification date up to the present date.

 

 

 

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