Frequently Asked Questions

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Frequently Asked Questions

Can I keep the car insurance I have from my previous state of residence?

The State of Delaware will not accept insurances from different states when titling and registering vehicles in Delaware. The vehicle insurance must meet Delaware requirements and be approved by the state. The minimum DE car insurance coverage for one accident is:

  • $15,000 for one person s bodily injury or death
  • $30,000 for two or more person s bodily injury or death
  • $10,000 for the injury or destruction of another s property

For more information: Delaware Auto Insurance – Get a Quote and Save

Do I need to cancel my insurance if I am moving to another state?

Depending on the state s insurance laws, more than likely the insurance coverage will need to be changed. To change the vehicle insurance to the new state s policy, contact the current insurance provider. To apply for car insurance in Delaware or another state, contact the current insurance provider as well.

For more information: Delaware Auto Insurance – Get a Quote and Save

How can I avoid a license suspension if I choose not to insure my vehicle?

Failure to get insurance for a vehicle in Delaware will be punishable by fines or license suspension. It is Delaware law that an operating vehicle requires minimum liability coverage. A $1,500 fine will be issued on a first offense. A $3,000 fine will be issued for subsequent offenses along with a driving suspension of six months.

For more information: Delaware Auto Insurance – Get a Quote and Save

If I have been in an accident, what property damage do I have to report?

Immediately following a vehicular accident, a report must be filed with the Delaware policy agency. If an accident involves property damage of at least $500, the policy agency must be notified.

The Delaware police must also be notified if:

  • The accident results in the death or injury of a person.
  • A driver with impaired drug or alcohol-related ability causes the accident.

For more information: Delaware Auto Insurance – Get a Quote and Save

If I live outside of the state for half the year, am I still required to have car insurance?

If trying to maintain dual insurance in two states, contact the local insurance provider. If a vehicle is titled and registered in Delaware, insurance from out-of-state is not permitted. In Delaware, the minimum coverage for one accident is:

  • $15,000 for one person s bodily injury or death
  • $30,000 for two or more person s bodily injury or death
  • $10,000 for the injury or destruction of another s property

For more information: Delaware Auto Insurance – Get a Quote and Save

What is the minimum liability insurance coverage?

The State of Delaware requires minimum insurance requirements coverage. Liability insurance policies must be approved by the State of Delaware. When getting Delaware car insurance, keep in mind the minimum coverage for one accident is:

  • $15,000 for one person s bodily injury or death
  • $30,000 for two or more person s bodily injury or death
  • $10,000 for the injury or destruction of another s property

For more information: Delaware Auto Insurance – Get a Quote and Save

What proof of insurance can I provide when registering my car?

When registering a car in Delaware, drivers must provide evidence of DE car insurance, which may include:

  • An insurance identification card
  • An insurance statement
  • An insurance bill

A Delaware insurance identification card must be in possession at all times while operating a vehicle. The insurance card must be presented to a law enforcement officer upon request.

For more information: Delaware Auto Insurance – Get a Quote and Save

What type of car insurance am I required to have?

If a vehicle is registered in the state of Delaware, you are required to have minimum liability car insurance, which consists of:

  • $15,000 for one person s bodily injury or death
  • $30,000 for two or more person s bodily injury or death
  • $10,000 for the injury or destruction of another s property

For more information: Delaware Auto Insurance – Get a Quote and Save

What will happen if I fail to get or keep car insurance?

According to Delaware law, a driver with a Delaware vehicle registration and title who does not have Delaware vehicle insurance is subject to a fine of $1,500 for the first offense, $3,000 for subsequent offenses and a six-month suspension of driving privileges.

For more information: Delaware Auto Insurance – Get a Quote and Save

Which types of vehicles need to be insured?

All vehicles with a valid registration must be insured with the minimum liability requirements. The minimum liability DE car insurance is:

  • $15,000 for one person s bodily injury or death
  • $30,000 for two or more person s bodily injury or death
  • $10,000 for the injury or destruction of another s property

Failure to have or maintain vehicle insurance in Delaware will result in fines and subsequent license suspension.

For more information: Delaware Auto Insurance – Get a Quote and Save