Driving in Delaware comes with its own set of challenges, risks, and legal requirements. Here are a few reasons why having proper car insurance in Delaware is essential for every driver on the road:  

• Seasonal Weather Conditions: Delaware drivers face weather extremes, from heavy rainstorms to slick winter roads, increasing the likelihood of accidents. 
• Busy Highways and City Traffic: High-traffic areas like I-95 and urban congestion in cities such as Wilmington increase the risk of collisions. 
• Flood Zones: With Delaware’s proximity to the coastline, many areas are prone to flooding, putting vehicles at risk of water damage. 
• Uninsured Drivers: Although insurance is mandatory, some Delaware drivers remain uninsured, creating potential complications after an accident. 

Delaware is an “Add-On” no fault state. This means that the state requires drivers to have no-fault insurance that will cover their own injuries after an accident but is not limited to taking legal action after the accident. When it comes to auto insurance, the minimum required coverage will vary from state to state. For Delaware, that minimum coverage includes: 

• Bodily Injury Liability: Coverage for others’ medical costs when you’re at fault. Minimum of requirement of $25,000 per person and $50,000 per accident. 
• Property Damage Liability: Coverage for others’ vehicles or property when you’re at fault. Minimum coverage of $10,000 per accident. 
• Personal Injury Protection (PIP): Covers medical expenses and lost wages for you and your passengers, regardless of fault, with a minimum limit of $15,000 per person and $30,000 per accident, and $5,000 for funeral expenses. 
• Uninsured/Underinsured Motorist Coverage: Split into bodily injury and property damage. Coverage for both your vehicle and injuries if the other party doesn't have sufficient insurance. Limits are typically the same as standard liability limits, but can never be higher than standard liability. 
  • Added to standard policies. If you want to remove it from your policy, it must be rejected in writing. 

Personal injury only protects your injuries, and liability coverage only pays for the other party if you’re the at fault driver. To help pay for your vehicle’s damages, additional coverage is needed. 

Given Delaware’s unique risks and conditions, it’s wise to consider adding the following coverage to your policy for enhanced protection:  

• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident based on your deductible. 
• Comprehensive Coverage: Helps pay for non-collision damages to your vehicle caused by a covered accident based on your deductible. 
• Roadside Assistance: Helps pay for the cost of towing your vehicle if it cannot be driven due to an accident or breakdown. 
• Rental Car Reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired after a covered accident. 
• Increase Liability Limits: Some drivers see the benefit of increasing their liability limits to avoid costly out-of-pocket expenses if they’re found to be at fault. 

Some drivers may have unique needs or circumstances, like having a customized car. Luckily, customization is what Goosehead specializes in. If you feel like your car needs specific coverage, we can help find and build the coverage for your policy. 

In addition to coverage selections, the cost of car insurance Delaware residents pay depends on several factors, including:  

• Driving Record: Clean driving records often result in lower premiums, while accidents or tickets can increase rates. 
• Location: Urban areas like Wilmington may see higher premiums due to traffic density and higher accident rates. 
• Vehicle Type: Luxury or performance vehicles often cost more to insure due to increased repair or replacement expenses. 
• Age and Experience: Younger and less experienced drivers typically face higher rates. 

Delaware drivers who have a policy that covers the legal minimum pay an average of $1,100 annually, while drivers pay an average of around $3,000 annually for policies with additional coverage. 

Drivers in Delaware can lower their car insurance premiums by employing these strategies:  

• Bundle Insurance Policies: Combine your auto and home insurance for multi-policy discounts. 
• Safe Driving: Maintain a clean record to qualify for better rates over time. 
• Safety Features: Install anti-theft devices or advanced safety systems in your vehicle to receive discounts. 
• Driver Education: Take a state-approved defensive driving course to reduce your premiums. 
• Compare Policies: Work with Goosehead Insurance to compare quotes and coverage options from multiple carriers. 

Goosehead Insurance is your trusted partner for finding the right car insurance in Delaware. Here’s what sets us apart:  

• Unbiased Comparisons: We work with multiple carriers to provide you with personalized options based on your needs. 
• Knowledgeable Agents: Our experts simplify the process and explain your policy in straightforward terms. 
• Convenience: We handle everything, from exploring quotes to assisting with claims, so you can drive with peace of mind. 
• Responsive Support: Whether you need help understanding your policy, making changes, or filing a claim, we’re here to assist you every step of the way.