Is Delaware a no-fault state?
Not fully. Every Delaware car must carry PIP (no-fault) coverage that pays your own injury costs no matter who caused the crash. Fault still decides who pays other damages, and you can claim against the driver who caused the crash.
Last checked November 9, 2026 · Official sources (5)
How does Delaware car insurance work?
“All vehicles registered in the State of Delaware are required to have the minimum Delaware liability insurance coverage of $25,000/$50,000/$10,000 and a PIP (Personal Injury Protection) minimum of $15,000 for any 1 person and $30,000 for all persons injured in any 1 accident.”
Delaware Division of Motor Vehicles
What is Delaware's minimum car insurance?
| Coverage | What Delaware requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $10,000 |
| Personal injury protection (PIP) | PIP is required: at least $15,000 for one person and $30,000 for everyone hurt in one crash. |
| Uninsured motorist | Uninsured/underinsured motorist coverage is not required, but insurers must offer it. |
Other add-on states
Questions
How much insurance does Delaware require?
$25,000 per person and $50,000 per crash for injuries, and $10,000 for property damage.
What if you were partly at fault in Delaware?
You can recover if your negligence was not greater than the other side's; your money is reduced by your share. Over 50% at fault, you get nothing.
Hurt in a crash in Delaware? Find out if you are owed money.
A free case review. $0 upfront. No fee unless you win.
See if I’m owed moneySources (5)
- Delaware Division of Motor Vehicles, checked 2026-11-09. “All vehicles registered in the State of Delaware are required to have the minimum Delaware liability insurance coverage of $25,000/$50,000/$10,000 and a PIP (Personal Injury Protection) minimum of $15,000 for any 1 person and $30,000 for all persons injured in any 1 accident.”
- Delaware Division of Motor Vehicles, checked 2026-11-09. “required to have the minimum Delaware liability insurance coverage of $25,000/$50,000/$10,000”
- Delaware Division of Motor Vehicles, checked 2026-11-09. “a PIP (Personal Injury Protection) minimum of $15,000 for any 1 person and $30,000 for all persons injured in any 1 accident.”
- Delaware Department of Insurance (Delaware Motorists Protection Act, Form A), checked 2026-11-09. “Uninsured/Underinsured Motorist Coverage is not mandatory, but it is required that the coverage be offered to all policyholders.”
- Delaware Code, Title 10, § 8132 (Delaware Code Online), checked 2026-11-09. “the fact that the plaintiff may have been contributorily negligent shall not bar a recovery by the plaintiff or the plaintiff's legal representative where such negligence was not greater than the negligence of the defendant or the combined negligence of all defendants”