Updated March 2026
State Requirements
Delaware mandates minimum liability coverage of 25/50/10: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. Drivers convicted of DUI, multiple traffic violations within 24 months, or caught driving uninsured are required to file SR-22 proof of insurance with the Delaware Division of Motor Vehicles. Personal Injury Protection (PIP) of $15,000 minimum is also required unless formally waived in writing.
Cost Overview
High-risk auto insurance in Delaware costs significantly more than standard policies due to violation type, SR-22 filing requirements, and limited carrier availability. Drivers with a single DUI typically pay $2,200–$3,800 annually, while those with multiple violations or at-fault accidents while uninsured can expect $3,500–$4,500 or more. Rates decrease gradually as violations age beyond 3–5 years, assuming no additional incidents.
What Affects Your Rate
- Type and date of violation: DUI convictions typically increase rates 150–250% for 3–5 years
- SR-22 filing requirement: Limits carrier options to non-standard insurers with higher base rates
- Number of violations within 36 months: Multiple speeding tickets or at-fault accidents compound surcharges
- Coverage lapse duration: Gaps of 30+ days can add 20–40% to premiums even after reinstatement
- City and ZIP code: Urban areas like Wilmington and Newark see higher rates due to accident frequency and uninsured driver rates
- Credit-based insurance score: Delaware permits use of credit history in underwriting, which often penalizes high-risk drivers
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Frequently Asked Questions
Sources
- Delaware Division of Motor Vehicles – SR-22 and Financial Responsibility Requirements
- Delaware Department of Insurance – Minimum Auto Insurance Coverage
- Delaware Code Title 21 – Motor Vehicles, Chapter 29 – Financial Responsibility