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Delaware

Auto Insurance Minimum Requirements

25/50/10
Liability Limits
No
No-Fault
$15,000
PIP Minimum
Optional
Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$10,000
Uninsured Motorist RequiredNo
Underinsured Motorist RequiredNo
PIP RequiredYes — $15,000 minimum
No-Fault StateNo (tort)
MedPay RequiredNo
SR-22 FilingsYes (for high-risk drivers)
Effective Date2017-12-13

Important Notes

Delaware operates a partial no-fault hybrid framework requiring PIP ($15,000 per person, $30,000 per accident total) but allowing unrestricted tort recovery.

Uninsured / Underinsured Motorist

Must be offered at standard liability limits but can be rejected in writing.

SR-22 Filings

Required for 3 years following severe moving offenses or operating an uninsured vehicle.

Alternatives to Insurance

A certificate of self-insurance granted by the DMV for fleets meeting regulatory standards.

Official Source

Delaware Division of Motor Vehicles

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.