Updated March 2026
State Requirements
Delaware requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage (25/50/10). The state also mandates $15,000/$30,000 uninsured/underinsured motorist coverage. Drivers with DUI convictions, multiple violations, at-fault accidents while uninsured, or license suspensions face SR-22 filing requirements that add another layer of compliance. SR-22 is a certificate your insurer files with the Delaware DMV proving you carry continuous coverage at or above state minimums for the required period.
Cost Overview
High-risk auto insurance in Delaware typically costs $2,400–$4,800 annually, or $200–$400 per month, depending on violation type and driving history. DUI convictions carry the steepest surcharges, often doubling or tripling baseline premiums, while at-fault accidents and multiple violations result in smaller but compounding increases. Delaware's compact insurance market and tort liability system mean high-risk drivers often face limited carrier options and higher baseline rates compared to surrounding states.
What Affects Your Rate
- Violation type and severity—DUI convictions generate the highest surcharges, often 150–250% above baseline rates
- Time since violation—rates decrease as incidents age beyond 3–5 years, though DUIs remain surchargeable for up to 10 years with some carriers
- SR-22 filing requirement—adds $15–$35 in filing fees but signals high-risk status to all insurers, limiting competitive quotes
- Number of incidents—multiple violations or accidents within 3 years push drivers into non-standard carrier markets with fewer discounts
- Location within Delaware—Wilmington and Newark see higher rates due to accident frequency and theft rates compared to rural Sussex County
- Vehicle type and age—older vehicles with liability-only coverage cost less than financed newer models requiring full coverage
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Coverage Options
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Frequently Asked Questions
Sources
- Delaware Division of Motor Vehicles – SR-22 Requirements and Financial Responsibility
- Delaware Department of Insurance – Minimum Coverage Requirements
- Delaware Code Title 21 – Motor Vehicles, Chapter 29 – Financial Responsibility