SR-22 insurance in Delaware
What Delaware requires after a DUI, a lapse or driving uninsured, how long the filing lasts, what it costs the state, whether a non-owner filing works, and which companies in Delaware write the policies that carry it, from the state's own pages and the insurance company directory.
Delaware does not use an SR-22 certificate. No SR-22 is required. Delaware checks continuous insurance instead; insurers send an FR-19 certification when the DMV audits a registration. Proof of future responsibility applies only to unpaid accident judgments. A Delaware-licensed insurer or agency emails or faxes the FR-19 to the DMV Uninsured Motorist Section. Electronic reporting through DE IVS is being rolled out. What you need is an auto policy that meets the state minimum and proof of it for the reinstatement; 0 companies write personal auto here.
By Sam Alishahi, independent insurance broker · Every state
What Delaware requires
From Delaware Division of Motor Vehicles, Uninsured Motorist Section; sources at the bottom.
| Filing | None (proof of insurance instead) |
|---|---|
| Who needs it | No SR-22 is required. Delaware checks continuous insurance instead; insurers send an FR-19 certification when the DMV audits a registration. Proof of future responsibility applies only to unpaid accident judgments. |
| How long | Not applicable; judgment cases stay suspended until the judgment is paid and proof is given. |
| State fees | No state fee for the FR-19. Uninsured penalty: $100 per vehicle, then $5 per day. Reinstatement: $50 per registration, $50 license suspension, $200 license revocation. |
| Non-owner filing | No non-owner filing is described by the DMV. For judgment cases, the statute lets the certificate omit vehicles for a non-owner. |
| How it's filed | A Delaware-licensed insurer or agency emails or faxes the FR-19 to the DMV Uninsured Motorist Section. Electronic reporting through DE IVS is being rolled out. |
| If the policy cancels | If the owner doesn't answer a DMV audit, the registration and owners' licenses are suspended. Driving uninsured: $1,500-$2,000 fine and 6-month suspension (first offense). |
| Minimum liability limits | 25/50/10 (bodily injury per person / per accident / property damage) |
| Who handles it | Delaware Division of Motor Vehicles, Uninsured Motorist Section |
How to get it today
- Send the quote request with the reason for the filing (DUI, lapse, uninsured accident) and the date the state gave you; that goes to the companies above that take it.
- Bind the policy; the insurer sends the proof of insurance to the state electronically.
- Keep the policy paid for the whole period: a cancellation is reported to the state and usually restarts the suspension.
I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Sources
- https://dmv.de.gov/VehicleServices/faqs/index.shtml?dc=ve_faqs_insurance
- https://dmv.de.gov/VehicleServices/uninsuredmotorist/
- https://dmv.de.gov/VehicleServices/uninsuredmotorist/pdfs/FR19.pdf
- https://dmv.de.gov/VehicleServices/uninsuredmotorist/pdfs/IVR%20Memo.pdf
- https://dmv.de.gov/DriverServices/faqs/index.shtml?dc=dr_faq_general
- https://dmv.de.gov/DriverServices/driver_improvement/index.shtml?dc=dr_di_suspension
Send it once. It gets filed.
A few minutes to request the quote; the companies that file proof answer by email, and the filing goes to the state when you bind.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.