Delaware may be one of the smallest states, but when it comes to insurance, its residents have access to a wide variety of affordable and comprehensive options. From coastal flood risks to daily commuting needs, having the right auto, health, home, renters, life, and pet insurance is essential. This guide explores the best insurance coverage options for Delaware residents in 2025.
Auto Insurance in Delaware
Delaware is a tort state, meaning the driver who causes an accident is responsible for the damages. Minimum insurance coverage is required by law, but many drivers choose more robust plans for extra protection.
| Coverage Type | Minimum Required |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $10,000 |
| Personal Injury Protection (PIP) | $15,000 per person / $30,000 per accident |
Top Auto Insurance Providers in Delaware:
- GEICO
- State Farm
- Progressive
- Nationwide
- USAA (for military families)
Tips to Save:
- Bundle with renters or home insurance
- Use safe-driver and multi-car discounts
- Install anti-theft devices
Health Insurance in Delaware
Delaware residents can shop for health plans through the federal marketplace at HealthCare.gov. The state also offers Medicaid and CHIP programs for eligible individuals and families.
Top Health Insurance Providers:
Health Plan Types Available:
- Bronze, Silver, and Gold ACA plans
- PPO and HMO networks
- Short-term plans and catastrophic coverage
Life Insurance in Delaware
Life insurance provides long-term security for your loved ones. Delaware residents can access a variety of term and permanent policies through major insurers.
Top Life Insurance Providers:
- Prudential
- Banner Life
- State Farm
- Lincoln Financial Group (headquartered nearby in Pennsylvania)
Policy Options:
- Term life (10–30 years)
- Whole and universal life
- No-exam and simplified issue policies
Homeowners Insurance in Delaware
Coastal areas of Delaware face storm and flooding risks, making comprehensive homeowners insurance essential.
Average Annual Premium: $1,200–$1,800 (varies by location)
Best Home Insurance Providers:
Add-Ons to Consider:
- Flood insurance via NFIP (especially in Sussex County)
- Hurricane and windstorm riders
- Sewer backup coverage
Renters Insurance in Delaware
Renters insurance is affordable and protects your belongings against fire, theft, and liability claims.
Average Monthly Premium: $10–$20
Top Renters Insurance Providers:
Pet Insurance in Delaware
Veterinary care can be costly, and pet insurance helps Delaware pet owners manage expenses for emergencies, illnesses, and wellness.
Top Pet Insurance Providers:
Coverage Typically Includes:
- Accidents and illness
- Hereditary and chronic conditions
- Optional routine care add-ons
Final Thoughts
From protecting your vehicle on I-95 to securing your beachfront home in Rehoboth, the right insurance in Delaware ensures you’re financially covered in 2025. With access to quality auto, health, life, home, renters, and pet insurance, Delaware residents can rest easy knowing they have the protection they need.
