Auto Insurance Minimum Requirements
Delaware requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage — commonly written as 25/50/10. Delaware is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is required at a minimum of $15,000.
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.
Fine
$1,500–$2,000
License / Registration
Suspension: Yes (6 months)
SR-22 Required After
No
What is the minimum car insurance required in Delaware?
Delaware requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage. This is written as 25/50/10 coverage.
Is Delaware a no-fault state?
No, Delaware is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Delaware?
Uninsured motorist coverage is not required in Delaware, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Delaware?
Driving without insurance in Delaware can result in fines of $1,500–$2,000 and license/registration suspension (Yes (6 months)).
Do I need an SR-22 in Delaware?
SR-22 filings are used in Delaware for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for 3 years following severe moving offenses or operating an uninsured vehicle.
What does 25/50/10 mean in Delaware?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Delaware Division of Motor Vehicles
More Delaware Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Delaware Division of Motor Vehicles publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.