Delaware Conditional License Insurance & SR-22 Coverage
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
$50
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Delaware
Delaware operates under a traditional tort liability system. Drivers approved for a Delaware Conditional License after DUI suspension must maintain continuous SR-22 filing and ignition interlock device installation for the duration of the restricted license period. The Delaware Division of Motor Vehicles requires proof of insurance before issuing the Conditional License, and any lapse in SR-22 coverage triggers license re-suspension.
Liability Insurance
SR-22 Filing
Ignition Interlock Device Coverage
Uninsured Motorist Coverage
Comprehensive and Collision
What Drivers Pay in Delaware
$412–$545/mo
Typical monthly rate in Delaware, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Find Coverage for a Probationary License
Get My Probationary License Insurance QuoteIf your license is suspended
Occupational License (§2733); separate IID conditional license for DUI
application fee $10.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 insurance in Delaware after a DUI?
Delaware requires continuous SR-22 filing for 3 years following DUI conviction, measured from the date of conviction, not the date you obtain Conditional License approval. If your policy lapses at any point during the 3-year period, the Delaware DMV receives electronic notification within 24 hours and your Conditional License is suspended immediately until you file a new SR-22 and pay reinstatement fees.
Does Delaware require ignition interlock for all DUI Conditional Licenses?
Yes. Delaware mandates ignition interlock device installation for all drivers approved for Conditional License following DUI suspension, regardless of whether it is a first or subsequent offense. The IID must remain installed for the entire duration of the restricted license period, typically 12–24 months depending on the offense. Your SR-22 insurance policy must explicitly permit IID-equipped vehicles, as some standard insurers exclude modified vehicles from coverage.
Which insurers write Delaware Conditional License SR-22 policies?
Progressive, The General, Dairyland, Bristol West, and National General write SR-22 policies for Delaware Conditional License drivers. State Farm and GEICO write SR-22 in Delaware but typically decline DUI applicants during the first 3 years post-conviction. Non-standard carriers specializing in high-risk coverage provide the most consistent approval rates and competitive pricing for Delaware drivers with recent DUI convictions.
Coverage Types
Delaware Conditional License Insurance
Coverage designed for drivers approved for Delaware's Conditional License after DUI suspension. Combines SR-22 filing, ignition interlock device compatibility, and continuous-coverage monitoring.
SR-22 High-Risk Filing
Electronic certificate filed by your insurer with the Delaware Division of Motor Vehicles proving you maintain minimum liability coverage. Required for 3 years after DUI or major violation.
Ignition Interlock Coverage
Auto insurance that explicitly permits ignition interlock device installation and use. Standard policies may exclude modified vehicles, making IID-compatible coverage mandatory for Delaware Conditional License drivers.
Uninsured Motorist Protection
Optional coverage that pays your medical bills and vehicle damage when an at-fault driver carries no insurance. Approximately 14% of Delaware drivers are uninsured.
Full Coverage for Conditional License
Comprehensive and collision coverage combined with elevated liability limits. Protects vehicle value and reduces financial risk if you cause an accident while driving on restricted license.