Delaware Auto Insurance Quotes

If you've been searching for information and quotes for Delaware auto insurance, you've found the right site. You'll find the most up-to-date information on Delaware's insurance requirements as well as quotes from many auto insurance companies authorized to do business in the state of Delaware. Before purchasing a policy, review the Delaware insurance requirements and learn about additional types of coverage so you can choose a policy that makes sense for your particular driving situation.

Delaware Minimum Coverage Requirements

Delaware requires that all drivers maintain minimum amounts of liability coverage on all registered vehicles.  These property minimums are for bodily injuries for one person in an accident, all bodily injuries in one accident, and property damage.  These minimums are currently set at $15,000 for injuries for one person in one accident, $30,000 for all bodily injuries in one accident, and $10,000 for property damage.  Delaware is also one of the states that requires drivers to purchase personal injury protection coverage.  This coverage will cover medical expenses and funeral costs for the driver and any passengers in a vehicle at the time of an accident.  This minimum coverage can be added to in the form of uninsured motorist, underinsured motorist, comprehensive, and collision coverage.  Delaware does not require uninsured motorist coverage.

Delaware Auto Insurance Audits

If the DMV requests proof of auto insurance on your vehicle, you must respond immediately or risk harsh penalties.  In order to prove that your vehicle is insured, you must have your auto insurance carrier provide you with form FR-19, the Delaware Insurance Certification Form.  This completed form will show to the DMV that your vehicle has been continuously insured since the verification date and that your coverage is currently in effect.  If you do not respond to the audit otice, your driver's license and vehicle registration will be suspended.  You will then need to pay a $25 reinstatement fee for your driver's license and a $50 reinstatement fee for each vehicle registration.  This is in addition to any fines and penalties that are imposed if you are convicted of driving without insurance.

Delaware Penalties for Lack of Insurance

If you are convicted of driving without insurance in Delaware, the penalties are very severe.  The fine for the first offense is not less than $1,500 and the fine for any subsequent offense is not less than $3,000 if it occurs within three years of a previous offense.  Your driver's license will also be suspended for 6 months if you are convicted of driving without insurance.