Delaware has more than 5,000 miles of roadways packed into its 2,000 square miles. If you live in the Small Wonder state, USAA offers a combination of coverage and service suited for Delawareans. Whether you're sauntering along the shore or driving toward the DuPont Estates, USAA can be there for you.
There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay.
As of Jan. 1, 2024, Delaware law requires drivers to have the following minimum bodily injury and property damage liability limits:
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault.
This is the total amount of coverage for expenses related to the injuries or deaths of others involved in accidents where you're found at fault.
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident.
Unless coverages are rejected by the policyholder, Delaware drivers are required to have uninsured and underinsured motorist coverage. These coverages help cover your expenses if you're in an accident caused by a driver who doesn't have insurance or doesn't have enough coverage.
Delaware requires that drivers have PIP coverage. This helps cover medical expenses for you and your passengers, no matter who's at fault in an accident.
Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.
A popular coverage option is roadside assistance. See note 2 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement. See note 3 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.
If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.
A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium. See note 4 Here's what else you can expect with a USAA Auto Insurance policy.
We can help. To speak with a representative, call 800-531-USAA (8722). ([thats 800-531-]8722)
Note 1 Average monthly cost for car insurance is based on Monthly Average Premium on USAA Auto Insurance policies for state listed.
Note 2 USAA Roadside Assistance™ is part of USAA Towing and Labor coverage and applies to covered vehicles only. USAA Roadside Assistance is provided through Cross Country Motor Club, Inc., Medford, MA 02155, except in AK, CA, HI, OR, WI and WY, where services are provided through Cross Country Motor Club of California, Inc., Thousand Oaks, CA 91360. NOTE: If you need to use Roadside Assistance for an insured vehicle that does not have USAA Towing and Labor coverage, you will be responsible for all charges and services performed. Roadside Assistance coverage does not cover the cost of repair parts. Additional premium required for towing and labor coverage with Roadside Assistance.
Note 3 Rental Reimbursement and Transportation Expenses are additional coverages and require additional premium. Restrictions apply.
Note 4 Potential average savings based on countrywide survey of new customers who switched to United Services Automobile Association and self-reported savings from July 1, 2021 to June 30, 2023. Individual savings may vary and isn't guaranteed.
Note 5 Discounts may not be available in all locations and are subject to change, other restrictions may apply.
Note 6 Savings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.
Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.
Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy.
