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Delaware Car Insurance Resources

Delaware Car Insurance

Car Insurance Rates in DE

^ From 2006 to 2010, Delaware cities had the 6th highest auto insurance rates in the nation. [2]

Car Insurance in DE by City

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Cars Insured in DE

^ Delaware ranked 47th of all U.S. states in total auto insurance policies in 2011. [1]

DE Car Insurance

Delaware Car Insurance Requirements

Car Insurance Liability Requirements in Delaware

  • Minimum Liability Limits in DE: 15/30/10 [4]
    • 15  Required coverage up to $15,000 for one individual injured in an accident
    • 30  Required coverage up to $30,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Delaware

Required Car Insurance Coverage in Delaware
  • Auto Insurance Coverage Requirements in DE [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in Delaware

  • Insurer Verification of Auto Insurance in DE [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurer must verify financial responsibility or insurance after an accident or arrest.
    • Insurer must verify randomly selected insurance policies upon request.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Car Insurance Quotes for Delaware Drivers

Delaware Car Insurance Facts, Estimates & Related Laws

Delaware Car Insurance Facts

Delaware Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in DE
    • Delaware had the 6th highest auto insurance rates in the nation in 2010. [2]
    • Rates in DE ranked 5th in the nation in 2009. [2]
    • In 2008, DE had the 6th highest rates in the country. [2]
  • Number of Auto Insurance Policies in DE
    • Delaware ranked 47th in the nation in auto insurance policies in 2011 with a total of 618,485. [1]
  • Uninsured Motorist Rate in DE
    • The uninsured motorist rate in DE ranked 34th in the nation in 2009. [3]

Delaware Distracted Driving Laws

  • Hand-held phone ban? Yes
    • hand-held phone ban in place for all drivers. [7]
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to learner's permit and intermediate license holders. [7]
  • Bus driver cell phone ban? Yes
    • Ban applies to school bus drivers. [7]
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Delaware Automotive Laws

  • Safety Belt Laws in DE
    • Safety belt laws have been in place since 1992 and apply to drivers/passengers 16+ years in all seats. [7]
    • Child restraint law in place for 7 years and younger and less than 66 pounds. [7]
  • Motorcycle Helmet Laws in DE
    • Motorcycle helmets required for 18 and younger. [7]
    • Each motorcycle operator or rider age 19 and older must carry an approved helmet. [7]
  • Driver's License Renewal Cycle in DE
    • Renewal cycle: 8 years [7]

Delaware Auto & Driver Facts

Delaware Automotive Facts

Delaware Auto & Driver Facts
  • Speed Limits in DE
    • Rural interstates: 65 mph [7]
    • Urban interstates: 55 mph [7]
    • Other roads: 55 mph [7]
  • Motor Fuel Consumption in DE
    • Delaware cities collectively ranked 47th in the nation in total motor fuel consumption in 2011. [9]

Delaware Licensed Drivers

  • Licensed Drivers in DE [10]
    • Total Drivers: 716,109
    • Female: 366,130
    • Male: 349,979
    • DE has the 45th most drivers in the U.S.
  • Minimum Driving Age in DE [5]
    • Delaware has a minimum driving age of 16 years.

Delaware Auto Registrations

  • Auto Registrations in DE [8]
    • Registered Cars: 490,696
    • Registered Trucks: 405,093
    • Registered Motorcycles: 30,498
    • Total Registrations: 929,415
    • Rank: Delaware ranked 45th in the United States in total auto registrations in 2011.

Delaware Demographics

Delaware Age Breakdown

In Delaware, 76% residents are 20 and older, while 5% are under the age of 5 and 19% are between ages 5 and 19. [6]



Delaware Demographic Information


  • Delaware Race Breakdown [6]
    • Caucasian descent: 70.52%
    • African American descent: 20.43%
    • Hispanic descent: 6.5%
    • Asian descent: 2.41%
    • Native American descent: 0.14%

  • Delaware Education Breakdown [6]
    • High school diploma or higher: 82%
    • Bachelor's degree or higher: 24%

Delaware Income Breakdown

In Delaware, the median household income is $62,682, while 12% of state households are below the poverty level. [6]



Additional information about Delaware

About Delaware

Delaware has a population of approximately 897,934, which ranks 45th in the U.S. among all states. [6]

DE Car Insurance

More about Delaware auto insurance

For more information about auto insurance in DE, or for additional resources regarding Delaware car insurance, visit the Delaware Department of Insurance.

Did you know?

California has a program that offers low-cost auto policies to low-income drivers (California Assigned Risk Program).

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Delaware Cities