Delaware SR-22 Insurance After Your Requirement Ends
Delaware requires 25/50/10 liability coverage and is an at-fault state.
Compare Rates After SR-22Delaware at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP coverage must be on every policy
$50
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Delaware
The Delaware Division of Motor Vehicles typically mandates SR-22 filing for DUI convictions, driving while suspended, at-fault accidents without insurance, and repeat violations. The SR-22 requirement typically lasts 3 years from the violation date or license reinstatement date. After your SR-22 filing ends, you're no longer required to maintain the certificate, but your violation history continues to impact premiums for 3–5 years depending on carrier underwriting rules.
Liability Insurance
Full Coverage
Uninsured Motorist Coverage
Comprehensive Coverage
SR-22 Insurance
What Drivers Pay in Delaware
$412–$545/mo
Typical monthly rate in Delaware, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Occupational License (§2733); separate IID conditional license for DUI
application fee $10.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Delaware's 25/50/10 minimums are lower than surrounding states and may be insufficient after a serious accident.
Full Coverage
Combines liability, comprehensive, and collision coverage. Required by lenders if you finance or lease your vehicle.
Comprehensive Coverage
Pays for non-collision damage to your vehicle — theft, vandalism, weather, glass damage, and animal strikes.
Uninsured Motorist Coverage
Protects you if an at-fault driver has no insurance or insufficient limits to cover your damages. Required in Delaware at 25/50 unless rejected in writing.
SR-22 Insurance
A certificate filed by your insurer proving you carry minimum coverage, required by the Delaware DMV after certain violations. Typically required for 3 years.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers — those with DUI, suspended license, SR-22, or major violations. Often the only option during SR-22 filing period.