Delaware presents a unique risk profile: small in size but high in accident frequency and fatal crash rates. With dense commuter traffic, limited public transportation, and heavy interstate travel, drivers face elevated insurance costs. Comprehensive and PIP coverage are especially important given the accident trends and regional travel volume.
Delaware Auto Insurance Facts
Drivers
- ~760,000–790,000 licensed drivers as of 2023
- High vehicle usage concentrated in New Castle County and the Wilmington metro area.
- ~92% of households own at least one vehicle.
- Personal vehicles are the primary mode of transportation due to limited public transit.
- Heavy interstate travel between Delaware, Maryland, Pennsylvania, and New Jersey.
- Rising use of SUVs and crossovers, especially in suburban communities.
- ~11% uninsured driver rate.
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~29,300
| ~7,600
| 112
|
| 2019
| ~30,400
| ~7,800
| 132
|
| 2020
| ~27,400
| ~7,000
| 117
|
| 2021
| ~28,100
| ~7,200
| 139
|
| 2022
| ~29,000
| ~7,400
| 165
|
Laws & Regulations
- Fault-based (tort) system.
- $15K PIP (Personal Injury Protection) per person.
