Auto Insurance in Wilmington, Delaware

We shop multiple carriers to help you find coverage that fits your needs and budget, so you don’t have to do the shopping yourself.

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We do the insurance shopping for you

As an independent insurance agency, Allen Insurance Group works with multiple carriers.
Tell us what you need, and we’ll review available options and help you understand the differences.

Step 1

Tell us what you need

Share a few details about your vehicles, drivers and current coverage.

Step 2

We shop available options

We review options from the insurance carriers we work with based on your needs.

Step 3

Review your options with an advisor

We’ll help you compare coverage, deductibles and price so you can make an informed decision.

Why work with a local independent insurance agent?

Buying directly from one insurance company limits you to that company’s options. Allen Insurance Group is an independent agency, so we can review options from multiple carriers and help you understand the differences in coverage, deductibles and price.
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Locally owned and serving businesses and families since 1932.

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What auto insurance coverage do you need in Delaware?

Delaware drivers are required to carry certain minimum auto insurance coverages. Depending on your vehicle, finances and risk, you may also want additional protection beyond the state minimums.

01 State requirements

Delaware required coverage

Delaware requires at least $25,000/$50,000 in bodily injury liability, $10,000 in property damage liability, and $15,000/$30,000 in Personal Injury Protection (PIP).

PIP helps cover medical expenses and lost wages after an accident, regardless of fault.

02 Additional protection

Coverage beyond the minimum

Minimum coverage may not be enough for every driver. Collision can help repair your vehicle after a crash, while comprehensive covers things like theft, weather and vandalism.

Uninsured or underinsured motorist coverage and higher liability limits can provide additional financial protection.

03 Cost considerations

Ways to manage your premium

Your price depends on your coverage, vehicle and driving history. Bundling home and auto, insuring multiple vehicles and available carrier discounts may help lower your cost.

A higher deductible can also reduce your premium, but means paying more out of pocket if you have a claim.

Coverage needs vary by driver. An Allen Insurance Group advisor can help you understand available options and determine what fits your situation.

AUTO INSURANCE FAQ

Common questions about auto insurance in Delaware

Understanding your coverage shouldn't be complicated. Here are answers to some of the questions Delaware drivers ask most often.

How much auto insurance is required in Delaware? +

Delaware requires registered vehicles to carry at least $25,000 per person and $50,000 per accident in bodily injury liability, $10,000 in property damage liability, and $15,000 per person and $30,000 per accident in Personal Injury Protection (PIP). These are minimum requirements, not necessarily the amount of coverage that is right for every driver.

What does PIP cover in Delaware? +

Personal Injury Protection, or PIP, can help pay medical expenses and lost wages for you and your passengers after an accident, regardless of who was at fault. Delaware requires a minimum of $15,000 per person and $30,000 per accident in PIP coverage.

Is Delaware's minimum auto insurance coverage enough? +

Not necessarily. State minimum limits provide a starting point, but an accident can create expenses beyond those limits. Depending on your vehicle, finances and risk, you may want higher liability limits or additional protection such as collision, comprehensive, and uninsured or underinsured motorist coverage.

How much does auto insurance cost in Wilmington, Delaware? +

There isn't one price that applies to every Wilmington driver. Your premium can depend on factors such as your vehicle, driving history, coverage limits, deductibles, household drivers and available discounts. Allen Insurance Group can review available carrier options based on your individual situation.

Why use an independent auto insurance agent? +

A company that sells only its own insurance can only offer its own products. As an independent agency, Allen Insurance Group works with multiple insurance carriers, allowing our team to review available options and help you understand differences in coverage, deductibles and price.

Can Allen Insurance Group compare multiple carriers for me? +

Yes. Tell us about your vehicles, drivers and current coverage, and an Allen advisor can review options from the insurance carriers we work with. We'll help you understand the differences so you can choose coverage that fits your needs and budget.

Still have questions? Talk with a local Allen Insurance Group advisor.
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Auto insurance carriers we work with

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