Official Delaware Guide

Delaware SR-22 Insurance

A complete roadmap to satisfying Delaware DMV requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

25/50/10

$25k BI / $50k Total / $10k PD

Mandate Term

3 Years

Standard from date of reinstatement

Filing Fee

~$15 - $25

One-time administrative cost

How Delaware SR-22 Filing Works

In Delaware, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Delaware Division of Motor Vehicles (DMV). It serves as evidence that you maintain the state-mandated minimum liability insurance (25/50/10) required to restore and keep your driving privileges.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period.

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Who Needs to File in DE?

DUI Conviction: Driving under the influence of alcohol or drugs is the most common reason for a mandate.
Uninsured Accident: Being involved in an accident without insurance that results in injury or property damage.
License Suspension: Administrative suspensions resulting from excessive points or serious moving violations.
Financial Responsibility Law: Failure to provide proof of insurance when requested by law enforcement or the DMV.

Don't Own a Car in Delaware?

You can still get reinstated! A Delaware Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow. It satisfies the Delaware DMV requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The DE Reinstatement Timeline

Verify Status

Check your status on the Delaware DMV online portal to confirm your eligibility date and required reinstatement items.

Secure SR-22

Purchase a policy with 25/50/10 limits. Your insurance carrier will e-file the certificate directly to the DMV.

Pay Reinstatement Fee

Pay the mandatory $50 reinstatement fee online or at a local DMV office to clear the administrative hold.

License Restored

Once the SR-22 is processed and the fee is paid, your license status returns to 'Valid'.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Delaware:

First Offense

Immediate License Suspension

Court Fines

Up to $500 + Court Costs

SR-22 Period

3-Year Clock Resets

Vehicle Impact

Possible Vehicle Impoundment

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Delaware Filing FAQs

How much is the filing fee in Delaware?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the Delaware DMV. This is separate from your monthly premium.

Can I drive out of state with a DE SR-22?

Yes. Your Delaware SR-22 is valid nationwide. You must simply maintain the Delaware-specific limits (25/50/10) as required by the state.

What is the difference between SR-22 and normal insurance?

An SR-22 is a certificate of financial responsibility attached to your policy that notifies the state if your coverage is active or cancelled.

Can I get a Non-Owner policy in DE?

Yes, Delaware allows Non-Owner SR-22 filings. It is the most affordable route to reinstatement for drivers who do not own a car.

Will my license be suspended if I miss a payment?

Yes. Delaware law requires insurers to notify the DMV immediately (via SR-26) if your policy lapses, which triggers an automatic suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, contact the Delaware DMV to confirm the requirement is fulfilled. You can then instruct your insurer to remove the filing.

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