Liability insurance minimums — Delaware Permit Test

Liability insurance minimums on the Delaware permit test — 5 rules, each with the reason behind it and a question on it while it is fresh.

The rules

To register a vehicle in Delaware, the owner must first establish financial responsibility by buying a liability insurance policy from a company licensed to operate in Delaware.

An uninsured driver who causes a crash leaves the people they hurt to pay their own bills.

The first step in obtaining a Delaware vehicle title/registration is to establish your (the owner(s)) financial responsibility.

Delaware Driver Manual, p.63

Delaware's minimum Personal Injury Protection (PIP) is $15,000 for any one person and $30,000 for all persons injured in any one crash.

Without PIP, a passenger hurt in your car can be left with hospital bills no one has to pay.

A PIP (Personal Injury Protection) minimum of $15,000 for any 1 person and $30,000 for all persons injured in any 1 crash.

Delaware Driver Manual, p.63

Delaware's minimum liability coverage for bodily injury or death of one person in any one crash is $25,000.

A driver with too little coverage who injures someone can be sued for everything they own.

$25,000 for bodily injury or death of one person in any one crash.

Delaware Driver Manual, p.63

Delaware's minimum liability coverage for bodily injury or death of two or more persons in any one crash is $50,000.

A crash that hurts a whole family can run through a small policy in one hospital stay.

$50,000 for bodily injury or death of two or more persons in any one crash.

Delaware Driver Manual, p.63

Delaware's minimum coverage for injury to, or destruction of, other people's property in any one crash is $10,000.

Without property coverage, the driver whose fence or car you wreck pays for it themselves.

$10,000 for injury to, or destruction of, property of others in any one crash.

Delaware Driver Manual, p.63

On the test

What is the first step in registering a vehicle in Delaware?

Buying liability insurance. An uninsured driver who causes a crash leaves the people they hurt to pay their own bills. Delaware Driver Manual, p.63: “The first step in obtaining a Delaware vehicle title/registration is to establish your (the owner(s)) financial responsibility.”

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Where these come from

Every rule here is checked against Delaware Driver Manual, published by the Delaware Division of Motor Vehicles, and against the state code itself. Last checked 2026-10-05.