Known as “The First State,” Delaware is home to the first log cabins in the U.S. and tax free shopping. In such a small state, Delaware captures the true American spirit.
Delaware: Cheapest car insurance
Requirement : Yes
Financial responsibility is required in Delaware . Drivers must have a minimum of liability, and personal injury protection coverage.
Minimum Coverage Car Insurance Requirements:
A minimum liability insurance and personal injury protection coverage is required:
Other Car Insurance Coverage Options:
Liability and PIP coverage are the only requirements for Delaware motorist to have, there are several other types of coverage available to drivers:
Other Forms of Financial Responsibility:
Other legal ways around buying car insurance include:
Proof of Insurance: Yes
You must carry proof of financial responsibility with your vehicle at all times.
Valid forms of proof of financial responsibility include:
Getting Pulled Over:
Violations, Fines & Penalties:
You are required to have proof of car insurance in the state of Delaware , if you are pulled over and cannot provide proof of insurance, or other forms of financial responsibility, you may face the following penalties:
Credit Scores & Determining Your Insurance Premium :
All Delaware drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. Drivers unable to get private coverage can purchase insurance through the Delaware Automobile Insurance Plan (DAIP).
Other factors that may be used to determine your premiums include:
Discounts : Yes
Discounts available in Delaware:
All mobile device violations are considered a primary offense. All drivers are banned from handheld cellphone use while driving. All drivers are also prohibited from texting while driving, included, but not limited are: typing, sending, or reading a text message with a hand-held mobile telephone, or electronic device. Hands free devices are allowed, however, drivers with learner’s permits are prohibited from using cellphones. Offenders can face a $75 fine for the first offense, and a $100 for the second offense, $200 for subsequent cellphone violations.