States
Delaware minimum car insurance: 25/50/10
At least $25,000 per person, $50,000 per accident and $10,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Delaware minimum: 25/50/10 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$95,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $10,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Delaware stands out for the size of its fine. Its Division of Motor Vehicles says that driving without proper insurance brings, on conviction, at least $1,500 for a first offense and $3,000 for each later offense within three years, plus a six-month suspension of the license. A lapse with no traffic stop also costs money: the agency receives notices from insurers, may audit you, and charges $100 per vehicle for 1 to 30 days uninsured and $5 a day after that, with a $50 reinstatement fee per registration if it suspends. Section 2118 of Title 21 adds a second required layer: personal injury protection of at least $15,000 per person and $30,000 per accident. Form FR-19 is what your insurer sends to certify continuous cover. Of the property lines we read, only Pennsylvania's $5,000 is lower than Delaware's $10,000.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Delaware
The figure to watch here is the last one: $10,000 of property cover is thin against the price of one late-model car, whatever the injury limits say.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $10,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $10,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Delaware.
What else we read for Delaware
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Personal injury protection of at least $15,000 per person and $30,000 per accident is required (21 Del. C. 2118). | official text |
| Other required or offered cover | Not verified | None read |
| Penalties | On conviction, a fine of at least $1,500 for a first offense and $3,000 for each later offense within 3 years, and a 6-month license suspension. A lapse found by audit costs $100 per vehicle for 1 to 30 days, then $5 a day. | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.