The minimum limits

Delaware’s minimum liability limits are 25/50/10:

$25,000 for bodily injury to one person in an accident
$50,000 for bodily injuries to everyone in one accident
$10,000 for property damage per accident

On top of liability, every Delaware policy carries personal injury protection (PIP) of $15,000/$30,000, which pays medical bills for you and your passengers no matter who was at fault.

Uninsured motorist coverage comes standard

Delaware includes uninsured and underinsured motorist coverage in every policy by default. You can reject it, but only in writing, and insurers ask before they remove it. This is the coverage that pays you if an at-fault driver has no insurance or not enough, and it is one of the cheapest protections on the policy. Once it is rejected in writing, an uninsured driver’s bills land on you.

What the legal minimum actually costs

A minimum-coverage policy in Delaware runs about $111 a month on average statewide for a 40-year-old driver with a clean record. That buys the legal floor and nothing more: above $10,000 of property damage, anything an accident costs comes out of your own pocket.

Ready to see what full coverage costs instead? Compare full coverage versus minimum coverage, or start free car insurance quotes and pick the limits that fit.

Delaware is a fault state

Delaware uses a traditional fault system. The driver found at fault, or their insurer, pays for the other side’s damages. That is why the liability minimums matter: if you cause an accident, those limits are the most your policy pays before your personal assets are on the line.