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Best Affordable Auto Insurance in Delaware
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Delaware auto insurance can be cheap and affordable if you know what type of coverage you need and you get multiple quotes from different insurers. There are three required coverages for your car insurance policy in order for you to drive legally in the state. The first is bodily injury protection in the amount of $15,000 for a single person injured in an accident you caused, and $30,000 for two or more people injured from an accident that is your fault. This coverage pays for medical expenses, lost wages, suffering, and other kinds of medical and health damages that were the result of the accident. The next coverage is property damage in the amount of $10,000, while fairly self-explanatory this coverage pays for damages to non-auto related property such as fences, walls, or any other object harmed because of an accident that is your fault. While most states only require these two coverages, Delaware requires a third coverage, personal injury protection. This coverage, which has a minimum of $15,000 for one person and $30,000 for two or more people, protects you and your passengers medically whether you are at fault for an accident or not. Finding the best and most affordable auto insurance in Delaware can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Delaware. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the First State.

Understanding Delaware's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Delaware one must understand what coverage they need. Delaware requires Personal Injury Protection (PIP) to be a part of your policy, despite the fact that it is not a no-fault state, and does not require protection from uninsured motorists.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Delaware the minimums are 15/30/10. The numbers are in thousands of dollars.

Delaware Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 15/30/10
  • No-Fault State: No
  • Personal Injury Protection Required: Yes
  • Uninsured Motorist Coverage Required: No
  • Average Liability Cost: $693
  • Average Collision Cost: $296
  • Average Comprehensive Cost: $110
  • Average Cost per Year in Delaware: $1,012
  • US Average Cost: $795
  • Expense Rank: 7/51

Best Delaware Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
41%
N/A 53%
37%
55%
N/R
N/A N/R
63%
N/A 42%
N/A 55%
34%
N/R
35%
N/A 23%
42%
N/R
N/A N/R
34%
33%
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%