Car insurance in Delaware (25/50/10)
- Minimum car insuranceDelaware requires at least $25,000 bodily injury liability per person, $50,000 per accident and $10,000 property damage liability. It also requires personal injury protection (PIP) of at least $15,000 per person and $30,000 per accident. Uninsured motorist coverage is optional. Source
- Fault systemDelaware is an at-fault (tort) state that also requires PIP: your own policy pays your medical costs regardless of fault, but you keep the full right to sue the at-fault driver. Source
Business insurance rules in Delaware
- Workers’ compensationDelaware employers with one or more employees, including part-time, temporary and seasonal workers, must have workers' comp in place before anyone starts work. An out-of-state policy counts only if it has a written endorsement that specifically adds Delaware coverage. The state is not monopolistic. Source
- Contractor licensingDelaware has no statewide contractor licensing board for general contractors. Every contractor working in Delaware must register with and get a business license from the Division of Revenue, nonresident contractors must post a bond, and contractors file proof of workers' comp insurance. Source
Home insurance in Delaware
- Home insurer of last resortDelaware law requires the Delaware FAIR Plan, run by the Insurance Placement Facility of Delaware, for owners who can't find property coverage in the voluntary market. It covers the structure and contents but not liability. Source
Disasters, floods, hail, tornadoes and earthquakes in Delaware
| Measure | Delaware | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 11 | #46 (tied) of 51 | Most often for hurricane (6), severe storm (2), snowstorm (2). Sussex County has been in 7 of them. |
| National Flood Insurance Program claims, 2005–2025 | 3,001 | #42 of 51 | $42.6 million paid; 16% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Homes in high-risk flood zones with a federal flood policy | 58% | #3 of 50 | 12,108 policies for 20,853 homes in the counties FEMA can measure; US: 40%. |
| Hail reports, 2016–2025 | 48 | #47 of 51 | 2 of them 2 inches or larger. Largest stone 2.25 inches, Sussex County, May 2022. |
| Tornadoes, 2016–2025 | 15 | #43 of 51 | 3 rated EF2 or stronger; 77 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 1 | #28 of 51 | Largest: magnitude 4.1, 3 km NNE of Little Creek, Delaware, November 30, 2017. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Delaware.
Worth knowing in Delaware
Delaware requires PIP on every auto policy, as no-fault states do, but does not limit lawsuits against the at-fault driver.
Delaware’s insurance regulator
Insurance in Delaware is regulated by the Delaware Department of Insurance, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a nonresident insurance producer license in Delaware (NPN 21022298), so requests from Delaware are handled by him directly.
Common questions
What is the minimum car insurance in Delaware?
Delaware requires at least $25,000 bodily injury liability per person, $50,000 per accident and $10,000 property damage liability. It also requires personal injury protection (PIP) of at least $15,000 per person and $30,000 per accident. Uninsured motorist coverage is optional.
Is Delaware a no-fault state?
Delaware is an at-fault (tort) state that also requires PIP: your own policy pays your medical costs regardless of fault, but you keep the full right to sue the at-fault driver.
Do employers in Delaware need workers’ comp?
Delaware employers with one or more employees, including part-time, temporary and seasonal workers, must have workers' comp in place before anyone starts work. An out-of-state policy counts only if it has a written endorsement that specifically adds Delaware coverage. The state is not monopolistic.
What can a Delaware homeowner do if no insurer will write the house?
Delaware law requires the Delaware FAIR Plan, run by the Insurance Placement Facility of Delaware, for owners who can't find property coverage in the voluntary market. It covers the structure and contents but not liability.
Sources
- Delaware: Minimum car insurance
- Delaware: Fault system
- Delaware: Workers’ compensation
- Delaware: Home insurer of last resort
- Delaware: Contractor licensing
- Delaware: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.