Delaware DUI & Violation Insurance Guide
Delaware requires 25/50/10 liability coverage and is an at-fault state.
Compare Auto Rates for Senior DriversDelaware 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
Vision test
Required at license renewal; no separate rule by age
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Delaware
When you're convicted of a DUI or serious traffic violation in Delaware, your current insurance carrier will typically send a non-renewal notice — not an immediate cancellation. This gives you until your policy term ends to find new coverage, usually 30–60 days. The Delaware Division of Motor Vehicles requires you to carry an SR-22 filing for three years, which means only carriers that offer SR-22 service can insure you. Most standard carriers like GEICO and State Farm do not offer SR-22 filings, so you'll need to work with a non-standard or high-risk insurer.
SR-22 Certificate Filing
Non-Standard Auto Insurance
Liability Insurance
High-Risk Auto Insurance
Uninsured Motorist Coverage
What Drivers Pay in Delaware
$194–$227/mo
Typical monthly rate in Delaware, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
What Affects Your Rate
- Age and driving history (seniors with one isolated violation often qualify for better rates than younger drivers with similar records)
- Time since violation (rates begin to decrease after 3–5 years if no additional violations occur)
- Carrier availability (Delaware has fewer non-standard carriers than neighboring states, limiting competition)
- SR-22 filing requirement duration (3 years of continuous coverage with no lapses)
- Vehicle type and value (older paid-off vehicles allow you to drop collision/comprehensive and significantly lower premiums)
Put These Answers to Work on Your Rate
Compare Auto Rates for Senior DriversMature-driver discount
Required by state law
18 Del.C. 2503(a)(6) (age-neutral, Commissioner-required reduction, no floor)
Source: state statutes and insurance departments, verified July 2026
Coverage Types
High-Risk Auto Insurance
Coverage specifically designed for drivers with DUIs, major violations, or suspended licenses. These policies cost significantly more than standard insurance but are often the only option after a serious violation.
Non-Standard Auto Insurance
Policies written by carriers that specialize in drivers who don't qualify for standard insurance due to violations, lapses, or other risk factors. Premiums are higher, but coverage terms are generally comparable to standard policies.
SR-22 Insurance
The SR-22 is a certificate filed by your insurer proving you carry Delaware's required minimum liability coverage. It's not a separate policy — it's added to your existing auto insurance. You must maintain it without any lapses for three years.
Liability Insurance
Covers damages you cause to others in an at-fault accident. Delaware requires 25/50/10 minimum limits, but seniors with assets should strongly consider higher limits like 100/300/100 to protect home equity and retirement savings.
Uninsured Motorist Coverage
Protects you if you're hit by a driver without insurance or with insufficient coverage. Delaware does not require this coverage, but it's valuable for seniors who cannot afford unexpected medical bills or vehicle repairs.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your legal obligation and your vehicle's value. Best suited for newer vehicles or those worth more than $5,000–$7,000.