Delaware Car Insurance Requirements for Drivers

While SafeAuto® does not currently offer coverage in Delaware, we can help you find the Delaware car insurance coverage you desire.

If your home is in Dover, Wilmington or anywhere in between, SafeAuto® wants to help you find the Delaware car insurance coverage that can meet your needs. A good starting point is understanding the minimum requirements for liability insurance in Delaware:

Delaware’s Financial Responsibility law requires you to maintain liability limits of at least:

  • $15,000 because of bodily injury to or death of one person in any one accident
  • $30,000 because of bodily injury to or death of two or more persons in any one accident, subject to the $15,000 per person limit
  • $10,000 because of injury to or destruction of property of others in an accident

Such coverage is often written as 15/30/10 or 15,000/30,000/10,000

Proof of Financial Responsibility & Penalties

Under Delaware law, you are required to provide documentary proof of financial responsibility when registering your vehicle or at the request of law enforcement officials.

Car insurance companies are required to notify the Delaware Division of Motor Vehicles whenever coverage terminates within the first six (6) months. The DMV randomly selects vehicle owners to provide proof of insurance, and failure to provide proof can result in immediate suspension of your vehicle registration and payment of a penalty.

If you are unable to produce proof of liability coverage when requested on the road, the penalties can be even harsher, with fines ranging from $1,500 to $4,000, and a license suspension of six months.

In addition to statutory penalties, if you cannot show proof of financial responsibility, fail to pay a judgment entered against you for damages resulting from an automobile accident, or need to reinstate your license after conviction for certain types of violations, you will be required to obtain an SR-22 Certificate of Financial Responsibility.

So, while SafeAuto® does not currently offer coverage in The First State, we can help you find the Delaware car insurance coverage you need.