Delaware Minimum Car Insurance Requirements
Delaware requires all drivers to carry liability insurance: minimum $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage.
Driving without insurance can result in license suspension, fines up to $500, and vehicle impoundment.
You must carry proof of insurance at all times while driving.
Can Immigrants Get a License in Delaware?
Delaware does NOT currently issue driver licenses to undocumented immigrants without proof of legal residency or valid visa.
You will need a Social Security Number or ITIN, proof of Delaware residency, and a foreign license or passport to apply.
Check Delaware DMV website for current requirements, as laws can change.
Best Insurance Options for Immigrants in Delaware
Many major insurers accept ITIN numbers instead of SSN. Request ITIN-friendly companies when getting quotes.
If you have a foreign license, some insurers will accept it; others require a Delaware license or international driving permit.
Get multiple quotes - rates and requirements vary by company and your driving history.
Remember: buying insurance does NOT alert ICE. Insurance companies are not immigration enforcement.
Tips for Immigrant Drivers in Delaware
Keep your insurance card and policy documents in your vehicle at all times for traffic stops.
Your insurance information is protected by federal law (Gramm-Leach-Bliley Act) and cannot be shared with immigration authorities.
If you need help applying for an ITIN, visit https://www.irs.gov/individuals/individual-taxpayer-identification-number for guidance.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $15,000 | Delaware state minimum |
| Bodily Injury (per accident) | $30,000 | Total per accident |
| Property Damage | $10,000 | Damage to others property |
| Uninsured Motorist | Optional | Not required by Delaware law |
| Underinsured Motorist | Optional | Not required by Delaware law |
📋 Official Sources
Frequently Asked Questions
Yes. Use an ITIN (Individual Taxpayer Identification Number) instead. Most insurers accept ITIN. Insurance companies do not report you to immigration authorities.
No. Delaware does not issue driver licenses to undocumented immigrants. You need legal status or a visa to get a Delaware license.
Delaware requires 15/30/10: $15,000 bodily injury per person, $30,000 per accident, $10,000 property damage. Rates vary by driver and car.
State Farm, Geico, Progressive, and Allstate insure drivers with ITIN. Get quotes from multiple companies. Rates vary widely.
A foreign license alone is not valid in Delaware. You need a Delaware license or IRP permit. Ask your insurer about your specific situation.