Delaware Motorcycle Insurance

Why Get Motorcycle Insurance in Delaware
In the state of Delaware, having motorcycle insurance isn’t an option- it’s required by law. Motorcycle insurance provides protection against unexpected and unwanted events like theft and accidents. If you are not insured, you could face serious financial problems trying to pay for the resulting vehicle repairs and medical expenses. Although the state of Delaware is the second smallest state in the nation, that doesn’t reduce the risk of operating a motorcycle on its highways. Purchasing and maintaining Delaware motorcycle insurance enables the motorcycle enthusiast to have peace of mind while driving and enjoying Delaware’s natural beauty and roadways.

Motorcycle Riding in Delaware
The requirements for obtaining a motorcycle license in Delaware are a little more stringent when compared to other states. Delaware strives to keep its roadways safe so the procedures for getting a motorcycle license are designed in such a way to allow only the most qualified motorcycle riders to receive this type of license. An individual can only operate a motorcycle or other motor-driven two-wheeled vehicle after fulfilling numerous requirements. The individual must be at least 16 years of age and already possess a valid Delaware driver’s license.

Motorcycle License Requirements in Delaware

  • Valid driver’s license
  • Permission from Parents (if under 18 years of age)
  • Completed Motorcycle Education course (if under 18 years of age)
  • Learner’s Permit (held for 60 days)
  • Written knowledge and road skill exams
  • Vision Test
  • Fees

Minimum Insurance Requirements in Delaware
To drive legally in Delaware, state law requires motorcycle owners to carry liability insurance. The minimum amounts of coverage mandated are:

  • $15,000 for bodily injury of one person
  • $30,000 for bodily injury of all injured parties
  • $10,000 for property damage in one accident

Motorcycle drivers in Delaware must also carry proof of insurance when operating their vehicles at all times. The consequences of driving without proper insurance coverage are severe: heavy fines and penalties, imprisonment, and in some instances, the suspension of driving privileges.