Delaware Auto Insurance for Drivers 75+
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
Vision test
Required at license renewal; no separate rule by age
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Delaware
Delaware operates under a tort-based liability system with an added twist — it also requires Personal Injury Protection (PIP) coverage, making it one of 12 states with mandatory no-fault medical benefits layered onto a tort framework. Drivers must carry proof of insurance at all times, and the Delaware Department of Insurance enforces these minimums through random verification audits. For drivers 75 and older, this dual structure means both bodily injury liability and PIP are non-negotiable, and failure to maintain both triggers immediate license suspension.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
Comprehensive and Collision Coverage
What Drivers Pay in Delaware
$194–$227/mo
Typical monthly rate in Delaware, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
What Affects Your Rate
- After age 80, several major carriers in Delaware either non-renew policies or move drivers to 6-month terms with annual underwriting reviews — this is a structural shift, not a penalty for incidents.
Find Coverage That Fits Driving Past 75
Compare Auto Insurance for Drivers 75+Mature-driver discount
Required by state law
18 Del.C. 2503(a)(6) (age-neutral, Commissioner-required reduction, no floor)
Source: state statutes and insurance departments, verified July 2026
Frequently Asked Questions
At what age do Delaware auto insurance companies start non-renewing policies?
Most major carriers in Delaware begin non-renewal reviews between ages 80 and 85, though the specific threshold varies by insurer and is not publicly disclosed. Non-renewal is typically triggered by underwriting guidelines rather than a specific incident — if you receive a non-renewal notice, you have 30 days to secure replacement coverage before your policy lapses. The Delaware Automobile Insurance Plan (DAIP) serves as the assigned risk pool for drivers who cannot obtain coverage in the voluntary market.
Does Delaware require a medical exam or driving test for drivers over 75?
Delaware does not require a medical exam, vision test, or road test for license renewal at age 75 or older — renewal is completed by mail or online. However, the Delaware Division of Motor Vehicles can require a medical review or road test if a law enforcement officer, physician, or family member files a driver re-examination request, which can occur at any age.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Delaware's 25/50/10 minimums are among the lowest in the region and rarely sufficient in real-world accidents.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Delaware law requires it be offered at the same limits as your bodily injury liability.
Comprehensive Coverage
Covers theft, weather damage, vandalism, and animal strikes. Optional unless required by a lender, and often the first coverage drivers 75+ drop to reduce premiums.
Full Coverage
Combines liability, PIP, comprehensive, and collision into a complete protection package. Recommended for financed vehicles or when replacement cost exceeds available cash reserves.