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Are you looking for car insurance quotes in Delaware? This article will help you find all the best places to find auto insurance in Delaware.
Do You Need Car Insurance In Delaware?
Yes! In The state of Delaware all drivers need car insurance. You can’t legally drive without car insurance. In fact, the first offense of driving without insurance is $1,500. It only goes up from there! You’ll want to make sure you have insurance before you get behind the wheel.
What Type Of Car Insurance Do I Need?
In Delaware, drivers need liability coverage. The state minimum requirement is $25,000 for bodily injury or death to one person, $50,000 for more than one person and $10,000 for property damage per accident. You also must maintain personal injury protection. You must have $15,000 per person, $30,000 per accident and $5,000 for funeral expenses. However, you may want more coverage, depending on your situation.
Which Car Insurance Companies Are In Delaware?
Although not an extensive list, here are a few of the companies you may what to check for car insurance quotes in Delaware.
- Root Insurance
- Cal Casualty
- Donegal Mutual
- State Farm
- American Family
- Liberty Mutual
- National Grange
- Erie Insurance
Erie and Geico actually look like two of the cheaper carriers in the state.
Why Is Car Insurance So Expensive In Delaware?
There are several reasons why your car insurance may be so expensive. Some of these are true regardless of the state. However, the relative high personal injury protection requirements may be why it is pricy. It has one of the highest PIP requirements in the nation. Although this may be helpful after an accident, it is big risk to the insurer. They may have to pay out $50,000 to the other party and $35,000 to the one who caused the accident, in case of death. Hopefully, that won’t be the case.
Now you know that you must have insurance in Delaware. You know the state minimum requirements. You also have a list of some places to look for quotes. Try and get at least 10 quotes before you pick a carrier.
Root Insurance Is Now In Delaware!
So you should download their app since they have the best rates I have seen. Also, they’ll give you $50 just for getting the quote if you download the app here!
Adam is a license Property and Casualty Insurance Agent for over two years in 25 States. He has worked with 10 different insurances companies. His interests include marketing, insurance, sales, and personal finance.