Levels of Auto Insurance

Delaware is a tort state, which means that you have to buy auto insurance to protect the other people on the road, not yourself. Most Delaware auto insurance companies offer a “basic” coverage plan, which allows you purchase the state minimums, as listed previously. However, it is recommended that you boost you coverage to at least the following levels:

• $100,000 in bodily injury liability per person

• $300,000 in bodily injury liability per accident, in total

• $50,000 in property damage liability per accident

• $15,000/$30,000 in PIP

• $100,000 in uninsured motorist bodily injury liability

• Collision insurance with a $500 deductible

• Comprehensive insurance addition

If you’ve been in a number of accidents or are otherwise a high risk candidate, you can still get Delaware auto insurance though the Delaware Auto Insurance Plan (DAIP). This program, run through the state, provides the minimum legal coverage to drivers in the high-risk pool who have been turned down for auto insurance by private companies.