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Auto insurance guide in Delaware
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Delaware
Auto Insurance Coverages
It doesn’t matter if you live in Wilmington, Dover, Milford, Dewey Beach with so many companies offering auto insurance in Delaware, how do you choose the auto insurance that's right for you?  There are a wide variety of car insurance policies, optional insurance coverages and other products available in Delaware, and as your auto insurance needs change, your local agent will take the time to help so you can make the choices that are right for you. And if you have a teen driver, there are many other considerations.  See the Graduated Driver Licensing chart below.
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Delaware Auto Insurance Coverage Scale
Only you can decide what auto insurance coverages are right for you in Delaware.  But the chart below provides a possible starting point for understanding the Delaware-required and most common car insurance coverages.
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Coverage
State Requirements
Most Common
Bodily Injury Liability
15,000/30,000
100,000/300,000
Property Damage Liability
10,000
50,000
Uninsured Motorist Bodily Injury
Not required
100,000/300,000
Personal Injury Protection
15,000/30,000
15,000/30,000
Collision
Not required
500 deductible
Comprehensive
Not required
0 deductible
Delaware Auto Insurance Coverage Scale
Only you can decide what auto insurance coverages are right for you in Delaware.  But the chart below provides a possible starting point for understanding the Delaware-required and most common car insurance coverages.
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Insurance Institute for Highway Safety Rating
Fair
Minimum Entry Age
(Optimal: 16)
15 years, 10 mo.
Extended Learner Period
(Optimal: at least 6 months)
Has the provision
but it is not optimal
Parent Certification
(Optimal: 30 hours minimal)
Has no provision
Night Restriction
(Optimal: 9 or 10 p.m.)
Has the provision
but it is not optimal
Passenger Restriction
(Optimal: only 1 non-family member)
Has the provision
Minimum Exit Age
(Optimal: 18)
16 years, 10 mo.
For additional guidelines, click here to download a sample Parent-Teen Driving Agreement to help you and your teen reach an understanding. Take time to learn more about teen driving research, tips, driving laws, programs and teen driving facts.
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Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
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Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Alaska, Alabama, Arizona, Arkansas, California,Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington, D.C., West Virginia, Wisconsin, Wyoming

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Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Delaware.
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