Understanding Delaware’s Minimum Auto Insurance Requirements

When you purchase a car, one of the first things that you will need is car insurance. This kind of insurance helps cover the costs of expensive claims when you get in an accident. Whether you are a young driver or experienced, accidents and collisions are a big possibility.

Like most states, you are required to purchase at least the minimum coverage under Delaware law. Minimum auto insurance Newark DE includes property damage, personal injury and bodily injury protection. You can add more if you choose, but Delaware requires you have at least these three.

Property Damage Coverage

Property damage insurance protects you if you damage someone else’s property while driving your car. If you have the bare minimum coverage, your insurance company will pay up to $10,000 if you are at fault. If the other party is at fault, their insurance should pay for the damage to your car. The property can be anything owned by someone else that is damaged in an accident. Common properties damaged in accidents include the following:

  • Houses
  • Cars
  • Stores
  • Trees
  • Fences

Although this doesn’t pay for the damage to your own car, you can soothe worried minds as your insurance company covers large costs.

Personal Injury Protection

Personal injury protection insurance covers you and other riders in your car in case of injury due to an auto accident. Some accidents cause a lot of damage. This type of insurance pays you and your passenger’s medical expenses, lost wages and funeral costs.

The most an insurance company will pay is $15,000 for each person in the car up to $30,000. Anything above this amount is your responsibility unless you have extra insurance to cover it. It also provides an additional $5,000 for funeral expenses.

Bodily Injury Coverage

Bodily injury coverage protects anyone not in your car that you injure in an accident where you are at fault. This insurance pays the injured parties up to $25,000 for each person involved in a single accident. However, it only pays a maximum of $50,000. With the minimum coverage, you will be responsible for any amount over $50,000.

Car insurance can be helpful when accidents happen. Having this type of financial support can ease your mind while driving. Some policies can also help you recover from losses or risks that can devalue your car. When shopping for car insurance, it is important to examine each policy to make sure it satisfies the Delaware insurance requirements by providing the three minimum coverage types and levels.


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