
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.
Coverage Types Required in Delaware
*Workers' Comp is required for nearly all employers.
Major Freight Corridors
- 01I-95 & I-495
Primary East Coast artery & the Wilmington Bypass.
- 02US Route 13
Vital north-south corridor for local & ag freight.
- 03US 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.
Wilmington bases pay higher premiums than rural Sussex County carriers.
Hazmat & Reefer loads from the Port carry higher premiums than dry van.
DE weigh stations are strict; clean inspections are your best discount.
Frequently Asked Questions
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