Auto Insurance in Delaware & Maryland

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Reliable Coverage for the Roads You Drive Every Day

Local Auto Insurance You Can Count On

From Route 1 traffic to coastal backroads, driving on the Delmarva Peninsula comes with its own set of risks. That’s why we offer auto insurance that actually fits the way you drive—and where you live. Whether you’re commuting in Dover, navigating Easton side streets, or taking weekend trips to Rehoboth, our team helps you build a policy that works. We walk you through your options, explain what each part of the policy does, and never sell you something you don’t need. As a local, independent agency, we’re here to help you drive confidently—without call centers or fine-print confusion.

What Does Auto Insurance Include?

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Liability Coverage

Helps pay for injuries or property damage you cause to others in an accident. Required by law in both Delaware and Maryland.

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Collision Coverage

Pays to repair or replace your car after a crash with another vehicle or object—no matter who’s at fault.

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Comprehensive Coverage

Covers non-collision damage like theft, fire, vandalism, or storm damage (especially important near the coast).

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Medical Payments (MedPay or PIP)

 Helps cover medical expenses for you and your passengers after an accident, regardless of who’s at fault.

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Roadside Assistance & Rental Reimbursement

Optional add-ons for breakdowns, towing, or having a backup vehicle while yours is in the shop.

Want help choosing the right auto insurance?

Get in touch with our local team today for a personalized quote.

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Why Drivers Across Delaware & Maryland Trust Frankos

With so many insurance options out there, it’s easy to feel overwhelmed. At Frankos, we keep it simple. We’re local, independent, and focused on giving you real choices backed by honest advice.

Benefits of having insurance with us:

  • Access to multiple top-rated insurance carriers
  • Local agents who understand Delaware & Maryland driving laws
  • Help bundling with home, umbrella, or motorcycle insurance
  • No-nonsense answers from people who live and work where you do
  • Support when you need to file a claim—not just when you sign the policy


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Common Auto Insurance Questions, Answered

Auto Insurance FAQs

  • Can I bundle my auto and home insurance for a discount?

    Yes. In most cases, bundling your auto and home (or renters/umbrella) coverage can lower your total premium and make your insurance easier to manage.

  • Do I need full coverage if my car is paid off?

    It depends on your needs and risk tolerance. We'll help you weigh the cost of comprehensive and collision vs. what you'd pay out-of-pocket in a worst-case scenario.

  • What’s the minimum auto insurance required in Delaware and Maryland?

    Both states require liability coverage, but the limits and requirements vary. We’ll make sure your policy meets the law—and goes beyond the bare minimum when needed.

  • Can you help with SR-22 or high-risk driver insurance?

    Yes. We work with carriers that offer coverage for drivers with past violations, accidents, or license issues. We’ll help you navigate it step by step.