Delaware motorcycle insurance

Delaware offers motorcyclists plenty of scenic roads and historic rides. Progressive is proud to help bikers throughout The First State ride protected with personalized coverage and easy discounts that give you big savings. Find out all you need to know about motorcycle insurance in Delaware.

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What are the minimum requirements for motorcycle insurance in Delaware?

Delaware motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries you’re liable for or property you're responsible for damaging in an accident, up to your policy's limits. You can increase the amount of liability coverage, if necessary, in order to protect your assets more fully. It's important to note that property damage liability coverage doesn't cover damages to your own motorcycle.

Personal injury protection coverage may pay for medical and funeral expenses, work loss benefits, and essential services for you and your passengers, regardless of fault in the accident.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversDamages you cause to others in an accident	Minimum amount$10,000 per accident
Personal injury protection (PIP)	What it coversMedical bills and other services for you and your passengers	Minimum amount$15,000 per person $30,000 per accident

Uninsured/underinsured motorist bodily injury coverage is also required in Delaware, but you may reject or lower these coverages by submitting a signed form.

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are often required if you're financing or leasing your motorcycle. If not, these coverages are optional. But we know how important motorcycles are to their owners. Comprehensive coverage can protect your prized possession, as it may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Delaware?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Delaware with liability coverage was only $328.76.^* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in Delaware?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Wilmington, Dover, Newark, or anywhere in between, the best motorcycle insurance features reliable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Delaware for bikers without eliminating the valuable protection you need for peace of mind while riding.

You can decrease the cost of motorcycle insurance in Delaware with motorcycle insurance discounts, such as:

Multi-policy discount
Defensive driver discount
Motorcycle license/endorsement discount
Safe and steady rider discount
Association membership discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Delaware

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: May cover damage to enhancements you've made to your bike and equipment, including grips, lighting, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal possessions along for the ride when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Delaware

To legally operate a motorcycle in Delaware, you must have a driver's license with a motorcycle endorsement. If you’re 18 or older, you must pass a written test and a road skills test to receive an endorsement. You can bypass both tests if you complete an approved motorcycle rider education program, according to the Delaware DMV.
A law that went into effect in 2023 requires all Delaware riders to wear a helmet and eye protection for two years after receiving their motorcycle endorsement.
All riders and passengers 19 or younger in the state of Delaware must wear a helmet and eye protection.