Classic American truck near Delaware Memorial Bridge
Delaware Coverage Specialists

Trucking Insurance in Delaware

Get connected with trucking insurance specialists who understand Delaware’s strategic position in the East Coast supply chain. Compare competitive rates from carriers operating in the First State and ensure your operation stays compliant.

Operating a Trucking Business in Delaware

Operating a trucking business in Delaware requires a specialized insurance strategy that accounts for the state's role as a major regional transit hub. Whether you’re an owner-operator based in Wilmington, a fleet operation serving the Port of Wilmington, or an interstate carrier moving goods along the high-traffic I-95 corridor, meeting your insurance obligations is vital for maintaining your authority and protecting your assets.

Despite its small size, Delaware is a heavy-hitter in the logistics world. It serves as a critical bridge between the major markets of Philadelphia, Baltimore, and New York City. Trucking operations here face unique considerations, from the high density of chemical manufacturing in the Newark area to the massive agricultural exports coming out of the southern counties. These factors, combined with the extreme congestion of the Wilmington bypass and the seasonal risks of coastal weather, directly influence your insurance requirements and the coverage options available to you.

Our trucking insurance specialists work with carriers licensed to operate in Delaware and understand the specific filings required by the Delaware DMV. Whether you operate exclusively within Delaware or travel interstate, we help you secure comprehensive coverage at competitive rates.

Delaware Insurance Requirements

Federal Requirements for Interstate Carriers

Interstate carriers based in or traveling through Delaware must meet FMCSA minimums.

  • Primary Liability: $750k ($1M recommended)
  • Cargo Insurance: Required for for-hire
  • BMC-91X Filing: Proof of federal liability

Delaware Intrastate Requirements

For carriers operating exclusively within Delaware, the DMV oversees compliance.

Form E & PIP

Delaware requires a Form E filing for intrastate authority. Additionally, DE has strict Personal Injury Protection (PIP) requirements for registered vehicles.

General Freight
$750,000 CSL
Hazmat
$5,000,000 CSL

Coverage Types Required in Delaware

Primary Liability (Form E)
Motor Truck Cargo
Physical Damage
PIP / Uninsured Motorist
Workers' Compensation

*Workers' Comp is required for nearly all employers.

Major Freight Corridors

  • 01
    I-95 & I-495

    Primary East Coast artery & the Wilmington Bypass.

  • 02
    US Route 13

    Vital north-south corridor for local & ag freight.

  • 03
    US Route 40

    Connecting MD and NJ via the Delaware Memorial Bridge.

DE Industries & Risks

  • Port of Wilmington

    Major hub for fresh fruit and perishables (reefer cargo).

  • Chemical Mfg

    Newark/Wilmington area requires specialized hazmat coverage.

  • Regional Hauls

    Cross-border operations into PA/MD/NJ impact risk profiles.

What Affects Your Delaware Rates

Delaware insurance rates are among the highest in the country due to population density and heavy traffic on I-95.

Location

Wilmington bases pay higher premiums than rural Sussex County carriers.

Cargo Type

Hazmat & Reefer loads from the Port carry higher premiums than dry van.

Safety Score

DE weigh stations are strict; clean inspections are your best discount.

Frequently Asked Questions

Get Your Delaware Quote

Don't let high rates slow you down. Get a competitive quote from Delaware experts.

(405) 963-3920

Fast Quotes • Licensed Agents

Protect Your Delaware Operation

Every day without proper insurance puts your Delaware trucking business at risk. Get the coverage you need to operate legally and confident.

Call (405) 963-3920 for Quotes