Delaware Minimum Car Insurance Requirements
Delaware requires drivers to carry liability insurance: $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage. This is among the lowest minimums in the US.
Driving without insurance in Delaware results in license suspension, fines up to $1,000, and possible jail time. You must carry proof of insurance at all times while driving.
An SR-22 filing is required if you cause an accident without insurance or have certain violations.
Can Immigrants Get a License in Delaware?
Delaware does NOT currently allow undocumented immigrants to obtain a standard driver license. You must prove lawful presence in the US.
If you have an ITIN, visa, or work permit, you can apply. You will need: proof of residency, Social Security Number or ITIN verification, and a valid passport or birth certificate.
Many immigrants from neighboring states like Maryland or Pennsylvania can get licensed there instead. Check your state DMV for alternatives.
Best Insurance Options for Immigrants in Delaware
Major insurers in Delaware (State Farm, Geico, Allstate, Progressive) will accept ITIN instead of SSN. Getting a quote takes 10 minutes online and does not require a driver license yet.
If you have a foreign driver license, some insurers will accept it temporarily while you get a Delaware license. Rates vary—always get multiple quotes.
Ask insurers directly about ITIN policies. Insurance companies are NOT connected to ICE and your data is protected by federal privacy law.
Tips for Immigrant Drivers in Delaware
Delaware is small but busy near Wilmington and I-95. Rush hour traffic is heavy. Keep your proof of insurance in your car at all times—it is the law.
If you are stopped by police, stay calm. You have the right to remain silent about immigration status. Insurance inquiries do not involve immigration agencies.
Consider taking a defensive driving course online to lower premiums and build safe driving records in the US system.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $15,000 | Required for at-fault accidents |
| Bodily Injury (per accident) | $30,000 | Required for at-fault accidents |
| Property Damage | $10,000 | Required for at-fault accidents |
| Uninsured Motorist | Required | Bodily injury coverage required |
| PIP/No-Fault | Not required | Delaware is fault-based state |
📋 Official Sources
Frequently Asked Questions
Yes. Use an ITIN (Individual Taxpayer Identification Number) instead. Insurance companies accept ITIN as proof of identity. Get your ITIN at https://www.irs.gov/individuals/individual-taxpayer-identification-number
No. Delaware does not issue driver licenses to undocumented immigrants. Check neighboring states like Maryland or Pennsylvania for license options, then use that to get Delaware insurance.
Delaware requires: 15/30/10 bodily injury and property damage liability. That means 15k per person, 30k per accident, 10k property damage minimum coverage.
State Farm, Allstate, GEICO, and Nationwide accept ITIN numbers. Get quotes from all four. Rates vary widely. Do not share immigration status; only provide driving information.
No. Delaware requires a valid US or state-issued driver license to buy car insurance. You cannot use an international permit alone. Get a Delaware license or license from another US state first.
