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Looking for cheap insurance in Delaware? Don’t compromise. Let ValChoice help.

ValChoice is the #1 independent insurance comparison website. Our cost calculators help you find the best auto insurance and homeowners insurance companies in Delaware. Enter your information below to get insurance quotes and compare car insurance and home insurance companies.

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The only place where you find cheap car insurance while also getting the best car insurance. We even show you how to get car insurance discounts.

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Whether you want cheap home insurance or the best home insurance, we have the answers to your home insurance questions.

Delaware Insurance Laws and Regulations

The Delaware Department of Insurance develops and enforces the insurance laws. Delaware does not publish either the raw or compiled results of the complaints filed for consumers to use when buying home or auto insurance. Consumers can contact the department with questions and complaints, or questions on their auto and home insurance. Consumers not receiving the service they expect from an insurer can file a complaint directly with the Department of Insurance.

The insurance commissioner in the state of Delaware is elected by the voters of the state. Being elected by voters makes the commissioner directly accountable to the citizens. This is beneficial to consumers when dissatisfied with the performance of an insurance company.

Important Laws

Drivers can find a summary of the important laws affecting drivers in the state of Delaware by clicking this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Delaware.

The Delaware Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

State law in DE allows for hurricane and wind/hail deductibles. When insurance companies employ this different type of deductible for homeowners and business insurance, they are required to provide clear notice on the conditions for when this deductible will be applied. They are also required to provide examples of how the deductible will be calculated.

Delaware has minimum auto insurance amounts that are required by law. The table below shows the DE minimum car insurance limits.

Minimum Car Insurance Coverage Required in Delaware

Minimum Coverage
Bodily Injury, per person 15,000
Bodily Injury, per accident 30,000
Property Damage 5,000

Resources Available to Consumers

The Small Claims Court is available for consumers to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.