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Delaware Minimum Car Insurance and Penalties for Driving Without It
The short answer
Delaware requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10). Other required coverage: PIP $15,000/$30,000.
Delaware at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10) |
|---|---|
| Other required coverage | Personal injury protection (PIP) is required: at least $15,000 per person and $30,000 per accident. |
| First offense for driving uninsured | A first offense carries a fine of $1,500 to $2,000 and a 6-month suspension of your driver license or driving privileges. The minimum fine can be suspended if you get insurance before sentencing, and an occupational license is possible for hardship if you show proof of insurance. |
| Repeat offense | A later offense within 3 years carries a fine of $3,000 to $4,000 and another 6-month license suspension. |
| Fee to restore after a lapse | If insurance lapses during the registration year, the DMV charges a $100 penalty per vehicle for up to 30 days, plus $5 for each later day, and a $50 registration reinstatement fee. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Delaware?
Delaware requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10). Other required coverage: PIP $15,000/$30,000.
What happens if you drive without insurance in Delaware?
A first offense carries a fine of $1,500 to $2,000 and a 6-month suspension of your driver license or driving privileges. The minimum fine can be suspended if you get insurance before sentencing, and an occupational license is possible for hardship if you show proof of insurance.