Motorcycle Insurance for Delaware
Delaware motorcycle insurance for riders who know the roads.
From the Bayshore Byway on Route 9 to the Brandywine Valley on Routes 52 and 100, Roamly works with carriers who understand how Delawareans actually ride.
Delaware at a Glance
Requirement | Details |
|---|---|
Minimum liability | 25/50/10 ($25k bodily injury per person, $50k per accident, $10k property damage), plus PIP of $15k per person and $30k per accident. Uninsured motorist coverage is included unless you reject it in writing, and underinsured motorist coverage comes with the higher optional limits insurers must offer. |
Helmet law | Riders under 19 must wear one, and so must riders endorsed on or after July 30, 2023 — and their passengers — for their first two years. Other adult riders must carry one. Everyone on the bike needs eye protection. |
Lane splitting | Not authorized. No Delaware law allows it, and the rule to stay within a single lane can be enforced against it. |
Registration | Motorcycles are inspected at DMV inspection lanes. As of September 2026, motorcycle registration is $15 a year, plus a 5.25% document fee when you title a bike. |
Requirements and regulations may change. Verify with the Delaware Department of Insurance and the Delaware Division of Motor Vehicles for the most current information.
What you need to know about Motorcycle Insurance in Delaware
Delaware requires PIP on motorcycle policies, requires eye protection for everyone on the bike, and asks adult riders who skip the helmet to carry one anyway. Here's what actually shapes your policy.
Delaware's 25/50/10 Minimum
Since December 2017, the state has required 25k/50k bodily injury and $10k property damage, plus PIP of at least $15k per person and $30k per accident. Uninsured motorist coverage is included at the minimum limits unless you reject it in writing, and insurers must offer higher limits up to 100k/300k — those higher limits are what add underinsured motorist coverage. We'll help you figure out what makes sense for how you ride.
Agreed Value for Custom Builds
Your Sport Glide with the new pipes and custom paint isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.
Peer-to-Peer Rental Coverage
Riders come for the Bayshore Byway and summer rides down the coast to Rehoboth. Want to list your bike on Twisted Road or Riders Share for them? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.
SR-22 Filing When Needed
Delaware generally doesn't use SR-22 filings. The main exception is an unpaid crash judgment, where getting your license back can require an insurer's certificate of future financial responsibility. If another state's SR-22 requirement follows you here, Roamly works with carriers that may be able to file an out-of-state SR-22, and we'll help you keep it in place. No judgment.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times — like out on the Bayshore Byway along the marshes of Delaware Bay. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — Delaware requires eye protection for every rider, and adults who skip the helmet still have to carry one. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Agreed Value for Custom Builds | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. |
Rent Your Bike Without Losing Coverage
The Bayshore Byway, the Brandywine Valley, and the beaches draw riders from nearby states, and a bike can do more than sit in the garage between your own rides. Listing yours on Twisted Road or Riders Share can help it earn its keep, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected.
What Delaware Actually Requires
Delaware mandates 25/50/10 liability coverage plus PIP for motorcycles, the same as for cars. That's $25k per person and $50k per accident for bodily injury and $10k for property damage, plus PIP of at least $15k per person and $30k per accident. A motorcycle owner can choose to exclude PIP for injuries while riding off-highway and for crashes where no other vehicle is involved. Uninsured motorist coverage is included unless you reject it in writing, and underinsured motorist coverage comes with the higher optional limits insurers must offer. Everyone on the bike needs eye protection, and helmet rules depend on your age and when you got your endorsement. The minimums keep you legal, but they won't go far if you total someone else's Road Glide or hurt someone badly — and liability alone doesn't pay to fix or replace your own bike. We'll help you figure out what makes sense for your situation.
Custom Builds Get Real Value
You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension. Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. Delaware law references current as of September 2026 — confirm current requirements with the Delaware Department of Insurance and the Delaware Division of Motor Vehicles.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Delaware requires 25/50/10 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage. Policies must also include PIP of at least $15,000 per person and $30,000 per accident, and uninsured motorist coverage is included unless you reject it in writing. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the Delaware Department of Insurance.
It depends. Operators and passengers under 19 must wear a helmet and eye protection. So must anyone who got a motorcycle endorsement on or after July 30, 2023, along with their passengers, for the first two years after endorsement. Everyone else must carry an approved helmet even if they don't wear it, and all riders must wear eye protection.
It depends on your bike, riding history, where you live, and the coverage you pick. Your PIP choices — including whether you exclude off-highway and single-vehicle crashes — your uninsured/underinsured motorist limits, and whether you add collision or comprehensive will change the price. Get a personalized quote to find out your rate.
Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy.
Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy.
Liability plus PIP is what Delaware requires — liability pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or storm damage. If you're financing, your lender will likely require both.
Delaware generally doesn't use SR-22 filings after violations like DUI. The exception is an unpaid crash judgment: if you don't pay it within 60 days, the person you owe can have your license suspended, and getting it back can require paying the judgment and filing proof of future financial responsibility, such as an insurer's certificate. Riding uninsured is costly too — as of September 2026, a first offense brings a fine of $1,500 to $2,000 and a six-month license suspension. If another state's SR-22 requirement follows you here, Roamly works with carriers that may be able to file out-of-state SR-22s and can help you keep it in place. Coverage terms, conditions, and availability vary by state and policy.
It can. Delaware's credit law expressly covers motorcycle policies: insurers can't deny, cancel, non-renew, or set renewal rates solely on credit, medical collections can't count against you, and you can ask for an exception after events like a serious illness, job loss, or identity theft. Your riding record, bike, and location are also major rating factors, and how much each one counts varies by carrier.
Yes. Delaware's required PIP applies to motorcycles, with at least $15,000 per person and $30,000 per accident for reasonable and necessary expenses after a crash. As a motorcycle owner, you can choose to exclude PIP for injuries while riding off-highway and for crashes where no other vehicle was involved. Excluding it may lower your price, but it also means less protection in those situations. We can help you weigh it.
Still have questions?
Call us at 877.725.1245
Delaware Motorcycle Insurance Quotes in Minutes
Delaware motorcycle insurance for riders who know the roads.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
© 2026 Roamly All rights reserved.