Buying a new Lexus car in Delaware means you'll also need to understand what the state requires you to carry before you drive off the lot. At Lexus of Wilmington, we work with many customers who come in ready to purchase but haven't had time to sort through the coverage requirements. Here's what you need to know.
Delaware's Mandatory Auto Insurance Coverage
Delaware law requires all registered vehicles to carry both liability insurance and Personal Injury Protection, and you must be prepared to show proof of coverage whenever you're behind the wheel. Your liability minimums are $25,000 per person and $50,000 per accident in bodily injury, plus $10,000 in property damage per accident. Personal Injury Protection covers your own medical costs, lost wages, and related expenses after a collision regardless of fault, with minimum limits of $15,000 per person and $30,000 per accident.
Coverage Worth Adding for a Lexus Model
State minimums protect other people; they don't protect your vehicle or cover the cost of replacing it. A new Lexus car, like the 2026 Lexus RX, carries real value, and comprehensive and collision coverage are the difference between a covered loss and a significant out-of-pocket repair bill. Comprehensive addresses theft, weather damage, and animal strikes. Collision pays for repairs to your own vehicle after an accident, regardless of fault. If you're financing or leasing, your lender will often require both.
GAP Insurance and Lexus Protection Plans
When you finance a new Lexus car, the vehicle's value depreciates faster than the loan balance drops, especially in the first year. If the car is totaled or stolen, your insurance payout reflects the current market value, which may fall short of what you still owe. GAP insurance covers that difference. At Lexus of Wilmington, protection plans are also available to extend mechanical repair coverage beyond the factory warranty, a practical option if you plan to keep your vehicle long term.
Talk Coverage Options at Lexus of Wilmington in Wilmington, DE
Understanding what Delaware requires and where the minimums fall short helps you protect your new Lexus car with confidence. Our Lexus dealership in Wilmington, DE, is here to walk you through every protection option available. Reach out to Lexus of Wilmington to learn about GAP insurance, protection plans, and Lexus financing that fits your budget.
