Delaware Insurance Requirements & Rates

Delaware requires minimum liability coverage of 25/50/10 (bodily injury per person / per accident / property damage). Delaware is an at-fault state, meaning the driver who caused the accident is responsible for paying damages. Uninsured motorist coverage is not required but recommended.

Delaware homeowners face risks from hurricanes, flooding, nor'easters, coastal erosion. The flood risk level is moderate and earthquake risk is low. Standard deductibles apply. The average annual home insurance premium is $1,106.

Delaware requires riders under 18 to wear helmets. Lane splitting is not legal. The riding season is april–october.

Yes, workers' compensation insurance is required in Delaware. Sole proprietors and partners may opt out. Delaware has approximately 90,000 small businesses, with top industries including Finance & Banking, Chemical Manufacturing, Healthcare.

Yes, Delaware has expanded Medicaid. The state uses a state-federal partnership health insurance marketplace. The uninsured rate is 5.5%.

Yes, landlords in Delaware can require tenants to carry renters insurance as a condition of the lease. About 30% of Delaware residents are renters, with average monthly rent of $1,150.

With a median household income of $72,724, most Delaware families should consider 10-12x their annual income in life insurance coverage. Currently, 52% of Delaware households have life insurance.