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Customize your Delaware car insurance coverage

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When it comes to Delaware car insurance, we guide you through everything from accidents and windshield repairs to legal claims and beyond. Our goal is to help you tailor your coverage to fit your needs. You’ll have the freedom to select the options that suit you best, all while ensuring you receive budget-friendly protection that complies with your state's regulations.

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Why do I need car insurance in Delaware?

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Delaware car insurance, particularly liability coverage, is mandatory in almost every state to safeguard you financially if you accidentally injure someone or damage their property. By adding extra coverages, your auto insurance can also assist in covering the costs to repair or replace your own vehicle.

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​Common Delaware car insurance coverages

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Delaware Auto liability coverage

Delaware auto liability coverage consists of bodily injury liability (BI), which covers the injuries you inflict on others, and property damage liability, which compensates for any property damage you cause to others, all within the limits set by your policy.

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Delaware Uninsured / Underinsured Motorist Coverage

If you find yourself in an accident caused by a driver who is at fault and lacks insurance or has inadequate coverage, Delaware uninsured/underinsured motorist coverage can help cover your medical expenses and those of your passengers, along with any damage to your vehicle. This type of coverage is split into two components: bodily injury, which addresses medical costs, and property damage, which takes care of the physical damage to your vehicle and other property.

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Delaware Personal Injury Protection (PIP)

Delaware personal injury protection, commonly known as PIP, helps pay for medical expenses for you and your passengers if you're injured in a car accident, no matter who caused it. Depending on your state, PIP may also cover lost income, household assistance, and various other costs linked to your injuries. While some states mandate PIP coverage, others offer it as an optional add-on.

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Delaware Comprehensive Auto Coverage

Delaware comprehensive coverage provides financial protection for your vehicle against damages from unforeseen events like hail, falling branches, and collisions with animals. While no state mandates this type of insurance, your lender might require it if you are leasing or financing your car.

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Delaware Collision Coverage

Delaware collision coverage provides financial assistance for repairing or replacing your vehicle following an accident, no matter who caused it. This coverage also kicks in if you collide with an object, like a tree or a utility pole, excluding animals. While collision coverage is not mandatory, it is often a requirement from leasing companies and lenders as part of their financing agreements. When you opt for collision coverage in your auto insurance policy, you'll need to select a deductible, which is the amount you will pay out of your own pocket when you make a claim for collision damage.