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Delaware DUI & License Suspension Insurance Guide

Delaware requires 25/50/10 liability coverage and is an at-fault state.

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Delaware 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

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Delaware

After a DUI conviction or license suspension in Delaware, your current insurance carrier will likely non-renew your policy at the end of your current term — they typically will not cancel mid-term unless you fail to pay. Delaware requires you to carry continuous auto liability insurance and file an SR-22 certificate with the Delaware Division of Motor Vehicles for at least 3 years following reinstatement. Not all carriers offer SR-22 filing, so you'll likely need to move to a non-standard or high-risk insurer. You must have this coverage in place before the DMV will reinstate your driving privileges.

SR-22 Certificate

SR-22 is not a type of insurance — it is a certificate your insurer files with the Delaware DMV proving you carry the state-required minimum liability coverage continuously. If your coverage lapses for any reason during the 3-year filing period, your insurer must notify the DMV immediately, triggering a new suspension.

Liability Insurance

This is the coverage your SR-22 certifies you carry. Many violation drivers are required by the court or DMV to carry higher limits — verify your specific requirement before purchasing.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers — those with DUIs, major violations, suspensions, or lapses on their record. These carriers offer SR-22 filing and accept drivers that standard insurers will not.

High-Risk Auto Insurance

High-risk auto insurance refers to policies written for drivers classified as high-risk due to DUIs, multiple violations, at-fault accidents, or license suspensions. In Delaware, high-risk carriers are often the only option for drivers who need SR-22 filing. Premiums reflect the actuarial risk — expect to pay significantly more than standard rates for at least 3–5 years.

Uninsured/Underinsured Motorist Coverage

Delaware does not require UM/UIM coverage, but it must be offered by your insurer. For high-risk drivers already paying elevated premiums, adding this coverage increases cost but provides protection if you're hit by a driver with no insurance or insufficient limits — a common scenario in non-standard markets.

What Drivers Pay in Delaware

$387–$408/mo

Typical monthly rate in Delaware, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Type of violation (DUI convictions carry higher surcharges than point accumulation)
  • Number of prior violations or at-fault accidents in the past 3–5 years
  • Age and gender (younger male drivers with DUIs face the highest premiums)
  • Vehicle type and value (non-standard carriers may refuse to insure high-value or high-performance vehicles)
  • ZIP code within Delaware (Wilmington and urban areas have higher base rates due to accident frequency and theft)
  • Carrier availability (only a limited number of insurers write SR-22 policies in Delaware, reducing competition and increasing cost)
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Get Back to a Fair Rate After a Violation

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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, suspensions, multiple violations, or other high-risk factors. These policies include SR-22 filing and accept drivers that standard carriers will not insure.

Non-Standard Auto Insurance

Policies from carriers that specialize in drivers with imperfect records — violations, lapses, or claims history. Non-standard insurers offer SR-22 filing and flexible underwriting for drivers standard carriers decline.

SR-22 Insurance

Not a separate insurance product — SR-22 is a certificate your carrier files with the Delaware DMV proving continuous liability coverage. Only certain insurers offer SR-22 filing, and it comes with significantly higher premiums.

Liability Insurance

Covers bodily injury and property damage you cause to others in an accident. Delaware requires minimum limits of 25/50/10, but many violation drivers are court-ordered to carry higher limits.

Find Your City in Delaware

Wilmington

urban

Dover

suburban

Newark

suburban

Middletown

suburban

Smyrna

suburban