Car Insurance in Delaware
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Car Insurance Liability Requirements in Delaware
- Minimum Liability Limits in DE: 15/30/10 [4]
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- 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
- Auto Insurance Coverage Requirements in DE [4]
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- 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]
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- 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.
Delaware Car Insurance Facts, Estimates & Related Laws
Delaware Car Insurance Facts
- Average Car Insurance Rates in DE
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- 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
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- Delaware ranked 47th in the nation in auto insurance policies in 2011 with a total of 618,485. [1]
- Uninsured Motorist Rate in DE
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- 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
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- 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
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- 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
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- Renewal cycle: 8 years [7]
Delaware Auto & Driver Facts
Delaware Automotive Facts
- Speed Limits in DE
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- Rural interstates: 65 mph [7]
- Urban interstates: 55 mph [7]
- Other roads: 55 mph [7]
- Motor Fuel Consumption in DE
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- Delaware cities collectively ranked 47th in the nation in total motor fuel consumption in 2011. [9]
Delaware Licensed Drivers
- Licensed Drivers in DE [10]
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- 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.
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]
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.
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
