Teen Drive Insurance
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Teen Driver Insurance in Delaware: Parents' Guide

Delaware requires 25/50/10 liability coverage and is an at-fault state.

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Delaware at a Glance

25/50/10

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Required

PIP coverage must be on every policy

16

Minimum learner's permit age, 50 supervised driving hours

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Delaware

Teen drivers progress through a three-stage graduated licensing system, starting with a learner's permit at age 16, advancing to an intermediate license after holding the permit for 10 months, and earning full licensure at age 17. Delaware does not legally mandate good student or driver training discounts, though most carriers offer them. Parents adding a teen to their policy should verify which discounts their insurer provides and what documentation is required.

Liability Insurance

Delaware's 25/50/10 minimum is below the amount recommended for families adding a teen driver, particularly if the parent owns significant assets. Many families carrying state minimums increase to 100/300/100 when adding a teen to reduce that risk.

Uninsured Motorist Coverage

Delaware does not require uninsured motorist coverage, but it must be offered by all insurers and rejected in writing if a policyholder declines it. For parents adding a teen driver, this coverage is particularly valuable because it protects the family if the teen is injured by an uninsured or hit-and-run driver. The cost is typically modest relative to the protection it provides, especially given the higher crash risk for newly licensed drivers.

Collision Coverage

Collision coverage pays for damage to the teen's vehicle regardless of who caused the accident. If the teen is driving a newer or financed vehicle, the lender will require collision coverage.

Comprehensive Coverage

Comprehensive coverage protects against theft, vandalism, weather damage, and animal strikes—risks unrelated to the teen's driving behavior. In Delaware, where deer collisions are common in New Castle and Kent counties, comprehensive coverage is often retained even on older vehicles. It typically costs less than collision and provides meaningful protection for non-crash losses.

Full Coverage

Full coverage combines liability, collision, and comprehensive. For Delaware parents adding a teen driver to a financed vehicle or a newer car, full coverage is standard.

What Drivers Pay in Delaware

$417–$590/mo

Typical monthly rate in Delaware, adding a driver aged 16–19 to a parent's policy

Rate data: Insurify and ValuePenguin, 2025

What Affects Your Rate

  • Graduated licensing stage: Delaware teens on an intermediate license with curfew and passenger restrictions may see modestly lower rates than those with full unrestricted licenses, though the difference is carrier-dependent.
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Cover Your New Driver for Less

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Rules for new drivers

Night driving

10pm-6am

Passengers

no more than 1 passenger

Source: IIHS and state DMV records, verified July 2026

Coverage Types

Liability Insurance

Liability coverage pays for injuries and property damage the teen driver causes to others. Delaware's 25/50/10 minimum is rarely sufficient for families with assets to protect.

Collision Coverage

Collision pays for damage to the teen's vehicle after an accident, regardless of fault. Required by lenders, optional for paid-off vehicles.

Comprehensive Coverage

Comprehensive covers non-collision damage: theft, vandalism, weather, and animal strikes. Typically costs less than collision.

Uninsured Motorist Coverage

Protects the teen and family if the teen is injured by a driver without insurance or in a hit-and-run accident.

Medical Payments Coverage

Med pay covers medical expenses for the teen and passengers after an accident, regardless of fault. Optional in Delaware.

Full Coverage

Full coverage combines liability, collision, and comprehensive. Standard for financed vehicles and recommended for newer cars driven by teens.

Find Your City in Delaware

Wilmington

urban

Dover

suburban

Newark

suburban

Middletown

suburban

Smyrna

suburban