Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Delaware apart
PIP required; small state, high per-capita claim frequency.
Minimum vs. full coverage in Delaware
What each coverage level costs on the Delaware average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $1,050 | $88 |
| Liability Only | $1,710 | $142 |
| Full | $3,100 | $258 |
| Full Low Deductible | $3,780 | $315 |
Minimum coverage saves about $2,050/yr vs full — but caps protection at 25/50/10. One at-fault crash above those limits and the gap is yours.
Delaware car insurance FAQ
- What's the minimum car insurance required in Delaware?
- Delaware's state minimum is 25/50/10 — $25k bodily injury per person, $50k per accident, $10k property damage. Minimum-only runs about $1,050/yr but leaves you exposed above those caps.
- How much is full coverage in Delaware?
- Representative full coverage averages $3,100/yr (about $258/mo), ranking Delaware #48 of 51 states for cost.
- Why is Delaware car insurance priced the way it is?
- PIP required; small state, high per-capita claim frequency.