Auto Insurance in DE, PA, NJ & MD — Prominent Insurance

Compare auto insurance from Progressive, Liberty Mutual, National General, Bristol West, and other top carriers across Delaware, Pennsylvania, New Jersey, and Maryland. Independent advisors who find the right coverage at the best price for your situation.

Coverage Options

State Minimum Requirements

Delaware requires 25/50/10 liability plus PIP. Pennsylvania requires 15/30/5 plus $5,000 medical benefits. New Jersey requires 15/30/5 plus mandatory PIP. Maryland requires 30/60/15 plus uninsured motorist and $2,500 PIP. We recommend higher limits than state minimums for real asset protection.

Call 302-351-3368 or visit portal.prominentagency.com for a free auto insurance proposal.

Frequently Asked Questions

What are the minimum auto insurance requirements in Delaware, Pennsylvania, New Jersey, and Maryland?

Delaware requires 25/50/10 liability limits plus PIP coverage of $15,000 per person. Pennsylvania requires 15/30/5 liability limits plus $5,000 in first-party medical benefits. New Jersey requires 15/30/5 liability limits plus mandatory PIP. Maryland requires 30/60/15 liability limits plus uninsured motorist coverage at matching limits and $2,500 PIP. We recommend higher limits than state minimums to protect your assets.

How much does full coverage auto insurance cost in the Mid-Atlantic region?

Full coverage auto insurance in Delaware, Pennsylvania, New Jersey, and Maryland averages $1,200 to $2,800 per year. Urban areas like Philadelphia, Wilmington, and Newark typically have higher rates. As an independent agency, we compare rates from Progressive, Liberty Mutual, National General, Bristol West, and other carriers to find the most competitive price for your specific profile.

Does my personal auto insurance cover me when driving for Uber or Lyft?

No, most personal auto policies exclude coverage for commercial rideshare activities. A rideshare endorsement from carriers like Progressive, Liberty Mutual, or Encompass bridges this gap for approximately $15 to $30 per month. If you drive for Uber or Lyft in DE, PA, NJ, or MD, we strongly recommend adding a rideshare endorsement to your policy.

What is SR-22 insurance and who needs it?

An SR-22 is a certificate of financial responsibility your insurance carrier files with the state, not a separate insurance policy. States require SR-22 filings for drivers convicted of DUI, driving without insurance, or accumulating too many license points. Delaware, Pennsylvania, and New Jersey use SR-22 filings; Maryland uses an FR-19. Prominent Insurance Services works with Progressive, National General, and Bristol West to find affordable coverage for drivers who need SR-22 or FR-19 filings.

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