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Delaware Insurance Guide
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Insurance in Delaware
Find comprehensive insurance information for Delaware (DE) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Northeast region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Delaware (DE) |
| Region | Northeast |
| Population | ~1.0M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Delaware Department of Insurance |
Health Insurance in Delaware
Delaware residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Delaware
Delaware has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Delaware
Protect your home with coverage tailored to Delaware’s specific risks and requirements.
Life Insurance in Delaware
Find life insurance options available to Delaware residents to protect your family’s financial future.
How Delaware Compares
Understanding how Delaware stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Delaware | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $2,034 | $1,935 | +5% (well above average) |
| Health Insurance (monthly) | $689 | $477 | +44% (above average) |
| Home Insurance (annual) | $1,112 | $2,377 | -53% (well below average) |
| Uninsured Rate | 8.5% | 9.5% | -11% (near average) |
Key Insights
- Auto insurance costs in Delaware are among the highest in the nation (#42). Shopping around and comparing quotes is especially important.
- Homeowners insurance is among the most affordable in the country at #7.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Delaware Department of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Delaware (opens in new tab) - Federal health insurance marketplace for Delaware
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Delaware address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Delaware Department of Insurance
- Phone
- 302-674-7300
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Delaware?
Delaware requires minimum liability coverage of 25/50/10: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. Personal injury protection (PIP) of $15,000 is also required.
How do I get health insurance in Delaware?
Delaware uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. Many Delaware residents qualify for premium tax credits. Delaware Medicaid covers eligible low-income residents.
Does Delaware homeowners insurance cover flood damage?
No, standard homeowners insurance does not cover flood damage. Given Delaware’s coastal location and low elevation, flood insurance through FEMA’s National Flood Insurance Program or private insurers is strongly recommended, especially in Sussex County.
Is Delaware a no-fault auto insurance state?
Yes, Delaware has a no-fault auto insurance system with required Personal Injury Protection (PIP). Your own insurance covers your medical expenses regardless of fault, up to PIP limits, before you can pursue claims against at-fault drivers.
What is the average cost of car insurance in Delaware?
Delaware drivers pay approximately $1,900-$2,300 per year for full coverage auto insurance, which is above the national average. Wilmington and Dover tend to have higher rates due to urban traffic patterns and theft rates.
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[delaware] Insurance Types
Compare insurance options available to [delaware] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
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