Delaware

Delaware requires minimum liability of 25/50/10 — $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage. These are state minimums; consumer advocates typically recommend higher limits (100/300/100) to cover serious injuries.

Bodily injury liability in Delaware pays for medical bills, lost wages, and pain-and-suffering damages owed to people YOU injure in an at-fault crash. The minimum is $25,000 per injured person and $50,000 total per accident. These are caps on what your insurer will pay; you are personally liable for damages above the policy limit.

Property damage liability in Delaware pays for damage YOU cause to other people's vehicles, fences, buildings, and other property. The minimum is $10,000 per accident. Given the rising cost of vehicles and repairs, this minimum often falls short of a single luxury vehicle's repair bill.

Delaware does not strictly require UM/UIM coverage, but insurers must offer it. UM/UIM coverage must be offered; written rejection allowed. UM/UIM coverage protects YOU and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.

Delaware REQUIRES Personal Injury Protection (PIP) of at least $15,000. PIP pays your own medical bills, a portion of lost wages, and certain replacement services after a crash, regardless of who was at fault.

Delaware requires PIP coverage of $15,000/$30,000 but is not a true no-fault state — the tort liability system is preserved.

Self-insurance available for fleets of 10 or more vehicles upon Insurance Commissioner approval. SR-22 required for three years after DUI, uninsured accidents, or excessive points.

For the most current minimum auto insurance requirements in Delaware, consult the official source at https://insurance.delaware.gov/. State minimums change periodically; verify current law before relying on these figures.