The principal function of the Delaware Department of Insurance, Consumer Services Division, is to help Delaware consumers who have insurance by regulating the actions of insurance companies and producers/agents for fully insured policies written in Delaware.
As a Regulatory agency we cannot recommend one company or agent over another. In an effort to assist you further we have compiled lists of companies that are licensed to sell different insurance products in our state. We urge you to obtain quotes from several companies, as premium rates may vary. You may want to contact a local insurance agent/producer or agency to assist you in finding coverage. You can also contact our department at any time to confirm if the agent/agency you are working with is licensed in our state or if the policy is what you were looking for before you provide any financial information to another party.
To find the minimum coverage requirements in our state you may want to review 21 Del. C. § 2118 . Requirement of insurance for all motor vehicles required to be registered in this State.
If you are unable to obtain or have been declined insurance through the standard automobile insurance market, please contact an insurance producer (aka agent) to apply for a private passenger or commercial automobile insurance policy through the Delaware Automobile Insurance Plan. The Plan was created to provide insurance coverage for those people who cannot obtain insurance through the voluntary market.
If you are unable to obtain or have been declined homeowners or commercial property insurance you may want to contact the Insurance Placement Facility of Delaware (aka Delaware FAIR Plan) at (800) 462-4972 or http://www.defairplan.com. See the following link for description of the FAIR Plan. Another option is for an insurance producer (aka agent) to place your risk through the non-standard market known as Surplus Lines insurance. See link for more information.