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Delaware Motorcycle Insurance Requirements

Delaware Motorcycle Insurance Requirements

Delaware is located in the Northeastern coast of the United States. It is surrounded by Maryland, Pennsylvania, and New Jersey. The name of the state originates from the Delaware River and Bay that were named to honor Sir Thomas West – the first colonial governor of Jamestown, Virginia in 1610. It is the second smallest and among the least populous of the United States. The economy in this state is heavily involved in: agriculture, government, education, banking, pharmaceuticals, technology, healthcare, and farming. It is known by many as “The First State” because it was the first state to ratify the United States Constitution. It has also been nicknamed “The Small Wonder,” “Blue Hen State” and “The Diamond State” for obvious reasons.

Do you own a motorcycle in the state of Delaware? If you are a motorcyclist, you need to make sure that you have enough insurance coverage to legally ride throughout the public roads. You cannot simply take your bike out for a cruise without either getting some sort of liability insurance or proving financial responsibility. Although this is a smaller state, it doesn’t mean you are less likely to get caught without insurance. You need to make sure that you are protected in the event that you are involved in an accident.

Delaware Motorcycle Insurance Requirements

As with any vehicle, there are various requirements that you need to meet before you ride your motorcycle in DE.  In order to show that you are financially responsible, you need to get your motorcycle insured.  It may be difficult for some people to afford insurance, but if you ride without it, you will be smacked with major fines and license suspension.  It is not worth driving without insurance – get a policy, follow the rules, and you’ll be able to legally drive your motorcycle.

How to Establish Financial Responsibility in Delaware

In many states, you have the option of insurance alternatives such as surety bonds or cash deposits. However, in the state of Delaware – you must purchase a liability insurance policy to legally operate your motorcycle. This policy must meet the coverage requirements as set by the state legal system.

  • Buy liability insurance – Before you even register your motorcycle, you need to have an insurance policy to go along with it. It is recommended that you purchase a liability policy with enough coverage to make you feel secure.

Motorcycles / Two-Wheeled Vehicles Defined

Included below are the definitions for two-wheeled vehicles in the state of Delaware. Most people know what type of vehicle they own, but if you have any questions, you can contact the Delaware Division of Motor Vehicles. Depending if you live in New Castle County, Kent County, or Sussex County – you will have a different contact phone number for questions.

  • New Castle: (302)-326-5000
  • Kent: (302)-744-2500
  • Sussex: (302)-853-1000

The definitions for 2-wheeled vehicles are below. Read them to determine the classification of your vehicle.

Motorcycle: Any vehicle designed to travel on NOT more than 3 wheels in contact with the ground. Tractors are an exception as well as electric personal assistive mobility devices.

Moped: Any pedal or non-pedal bicycle having 2 tandem wheels with a motor piston displacement of less than 55 cc. Maximum speed must not exceed 25 mph and brake horsepower must be below 2.7.

Motor Scooter: Any device that is designed to travel on at least 2 wheels with the deck open and close to the ground. It must have handlebars or a hand-controlled throttle and brake system. It is designed to be sat or stood upon by the operator. The motor is capable of propelling the device without any human generated propulsion. These do not included mopeds or motorcycles.

Delaware Motorcycle Insurance Minimum Requirements

In the state of Delaware, you need to make sure your have met the liability insurance requirements for your bike. Should you ever get into an accident, you will need to compensate other parties for the damages that you’ve caused. Getting sufficient insurance helps protect your own assets so that your insurance company reimburses other individuals that were affected by your accident.

Liability Insurance:

  • $15,000 bodily injury per person

  • $30,000 bodily injury per accident

  • $10,000 property damage per accident

Personal Injury Protection (PIP):

  • $15,000 per person

  • $30,000 per accident

Property Protection:

  • $10,000 per accident

In the state of Delaware, you need at least a “15/30/10” policy for your motorcycle. It is common to see the abbreviation for coverage. Just know that the first number represents bodily injury per person in an accident, the second number represents total bodily injury coverage per accident, and the third number is the required amount of property damage insurance.

Keep in mind that these are considered the minimums and may not be enough protection in a serious accident. You may want to talk with your insurer about increasing your coverage if you aren’t comfortable with the minimums. In Delaware, you are also required to have “Personal Injury Protection” a.k.a. “PIP insurance” coverage – minimums are listed above.

Delaware Safety and Licensing Requirements

There are safety and licensing requirements that every state sets for their drivers. This is to decrease any potential damage resulting from accidents and to help keep drivers as safe as possible. Below are some of the requirements that must be met.

  • All motorcycle operators and passengers must have an approved helmet in their possession. All riders up to the age of 19 must wear a helmet while on a motorcycle.
  • Eye protection is required to operate a motorcycle as well. It is up to you to either get an eye shield, goggles, or certified eyewear for your motorcycle.
  • You must obtain a Class M endorsement to operate your motorcycle.
  • This state recommends using your headlight during the day.

Proof of Insurance

After you have purchased an insurance policy, you will be issued proof of coverage from your provider. This is usually issued in the form of an insurance identification card. Remember to keep this card with you at all times while operating your motorcycle. Make sure your insurance card is up to date at all times.

  • Insurance ID Card – This will contain your policy number, insurance contact information, etc. This is information that must be exchanged with other drivers if you cause an accident. Law enforcement may ask to see this as well during a routine traffic stop.

Note: If you don’t receive an insurance identification card in the mail, you can take an actual copy of your insurance policy to the Delaware DMV. In the meantime, contact your insurer and make sure that your card is on its way – or have them issue a new card.

Penalty for Lack of Insurance

If a police officer asks to see proof of your insurance and you are unable to produce it, you could face some pretty harsh penalties. If you aren’t able to provide the police with proof of coverage, you may get your license suspended or have to pay a significant fine. You may even need to surrender your license plates and go through additional hassles in order to drive again in the future. Make sure you have enough insurance for proper coverage in DE.

First offense:

  • $1,500 fine

Subsequent offenses:

  • $3,000 fine
  • 6 month driving suspension

Delaware Motorcycle Insurance Companies

Although Delaware is a small state, there are still plenty of insurance companies licensed to sell you a policy for your motorcycle. In order to find the best coverage for your money, a good idea is to comparison shop online. Compare the rates of companies as well as the amount of coverage that they are going to provide.

To make things easier for individuals that are looking for an insurance policy, you can enter your Zip Code below (or at the top of the page) for a free generated list of the top providers in your exact location. Once you have figured out which company is going to offer you the best priced policy, you can purchase a policy and legally cruise through the diamond state.

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