Delaware Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. Minimum coverages for the state of Delaware are $15,000 personal injury, $30,000 for all injury and $10,000 in property damage. Commonly referred to as 15/30/10 coverage.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer.
  • A premium receipt or insurance binder issued by the motorist’s insurance agent.
  • The current declarations page of a liability insurance policy.
  • The actual liability insurance policy issued for the vehicle.
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent.
  • Proof of purchase of a motor vehicle with the previous 60 days and a valid insurance card issued for the motor vehicle replaced by such purchase. The proof of purchase is to be a copy of the bill of sale if the vehicle is a pre-1975 year model, or the owner’s permit (yellow) copy of the application for certificate of title for a 1975 and subsequent year model vehicle.
  • A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage.
DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained. After two years time, without any further incidents, a traffic conviction loses its‘ point value for suspension purposes. However, it will stay on your permanent driving record and may effect your insurance rates. In the state of Delaware, point totals are calculated at half-value after the first year from the date of violation assessment.

Below is a list of violations and their corresponding point values:


  • 1-9 mph over – 2 points
  • 10-14 mph over – 4 points
  • 15-19 mph over – 5 points
  • 20 mph or more over – 5 points and possible suspension
  • Additional Violations/Infractions

  • Passing a stopped school bus – 6 points
  • Reckless Driving – 6 points
  • Aggressive Driving – 6 points
  • Disregarding Stop Sign/traffic signal – 3 points
  • Other less serious moving violations – 2 points
Delaware offers point forgiveness on speeding violations if all of the following credentials are met: the offense is 1-14 mph over, it is a first offense in any 3 year period, and the ticket is paid at the voluntary assessment center.
Serious speeding violations of 25 mph over result in a 30 day license suspension, for each 5 mph over the initial 25 mph over, an additional 30 days will be added to the suspension.

If convicted of driving 50 mph over the the speed limit, or 100mph on the highway a 1 year suspension will be issued.

The following point gains within a 2 year period result in these suspension durations:

12 points – attend traffic school within 90 days of notice or 2 month suspension.
14 points – 4 months suspension
16 points – 6 months suspension
18 points – 8 months suspension
20 points – 10 months suspension
22 points – 1 year suspension

In order to reinstate your license in the state of Delaware you must complete, or have completed, a behavioral modification driving course within 2 years previous.

Disclaimer is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

forbes palm beach post yahoo! npib yef