Does Delaware require an SR-22?
Checked against official Delaware sources · Last reviewed October 5, 2026
Delaware's official sources describe an insurance certification, Form FR-19, completed by your insurer or agent, and set no SR-22-style filing period. When you reinstate your license, the Delaware DMV may require your insurer or agent to certify on a DMV form that the vehicles registered to you are insured.
State law requires certified proof of financial responsibility only from drivers whose license was suspended over an unpaid crash judgment. [1][3][5]
Does Delaware require an SR-22?
Delaware's official sources describe its own insurer certificate, FR-19, rather than the SR-22. Details below.
What Delaware requires instead
Delaware's DMV uses an insurance certification, Form FR-19, completed by your insurer or agent. [1]
Form: Delaware Insurance Certification Form FR-19, completed by your insurer or agent [1]
What does reinstatement cost?
$50 to reinstate a suspended license. Reinstating a revoked license (for example after DUI) costs $200, not counting the new license fee. A suspended registration costs $50 per vehicle. [2]
What coverage do you need?
$25,000 bodily injury per person, $50,000 bodily injury per crash, $10,000 property damage (plus required personal injury protection, PIP) [1]
What happens if your insurance lapses?
Insurers report cancellations to the DMV. If your insurance lapses, the vehicle's registration is suspended. It stays suspended until you get insurance, your insurer certifies it on a DMV insurance certification form, and you pay the uninsured motorist penalty: $100 per vehicle for 1-30 days uninsured, plus $5 per vehicle per day after that. If you ignore a DMV insurance audit, the registration and all owners' driver's licenses are suspended, and each registration costs a $50 reinstatement fee. [1]
Don't own a car?
Where Delaware does require certified proof of financial responsibility (unpaid crash judgments), an operator's policy covering vehicles you do not own qualifies, and the certificate need not list vehicles for a non-owner. [3]
Who has to file one?
Delaware law requires certified proof of financial responsibility only from drivers whose license was suspended over an unpaid crash judgment, including those paying it in installments. Separately, the DMV may require insurer-certified evidence of insurance on its form at reinstatement, at point or show-cause hearings, during insurance audits, and after a lapse or a conviction for driving uninsured. [3]
Who handles it
Delaware Division of Motor Vehicles (DelDOT). Driver Improvement handles suspensions and reinstatement; the Uninsured Motorist unit handles insurance audits. [4]
Common questions
What is Form FR-19 and how is it filed?
It's the Delaware Insurance Certification Form. Your insurer or agent uses it to certify that your vehicle has been insured without a break since the verification date and is insured now. They email or fax it to the DMV Uninsured Motorist unit. [1]
How much does it cost to get my license back?
It's $50 to reinstate a suspended license and $200 to reinstate a revoked one, plus the new license fee. The $200 fee is waived if you apply within 1 year of release from Level V custody. A suspended registration costs $50 per vehicle. [1][2]
What happens if my insurance lapses?
Insurers report cancellations to the DMV, and your registration is suspended. It stays suspended until you get insurance, your insurer certifies it on Form FR-19, and you pay a penalty of $100 per vehicle for 1-30 days uninsured, plus $5 per vehicle per day after that. Turn in your plates before you cancel insurance on a registered vehicle. [1]
What if I'm convicted of driving without insurance?
Your license is suspended until you show proof of insurance, and the DMV says the suspension is 6 months. Fines are at least $1,500 for a first offense and $3,000 for another offense within 3 years. [1][5]
What if I can't pay a crash judgment?
If a crash judgment isn't paid within 60 days, the court can report it and your license is suspended. It stays suspended until the judgment is paid and you file proof of financial responsibility. You can keep or get back your license by getting a court order to pay in installments and filing proof. [3]
What counts as proof for a judgment suspension?
You can use an insurer's certificate, a bond, or a $40,000 cash or securities deposit with the State Treasurer. If you don't own a car, an operator's policy that covers you in vehicles you don't own qualifies. [3]
Sources
- Delaware DMV - Vehicle Liability Insurance FAQs (official agency page, accessed Oct 5, 2026)
- 21 Del. C. 2737 and 2738 - Fees for return of suspended / revoked license (statute, accessed Oct 5, 2026)
- 21 Del. C. Ch. 29 Subch. III - Proof of Future Responsibility (2941-2955) (statute, accessed Oct 5, 2026)
- Delaware DMV - Driver Improvement: Suspension (fee amounts rendered from the DMV's DMVFees.js: DL suspension reinstatement $50, revocation reinstatement $200) (official agency page, accessed Oct 5, 2026)
- 21 Del. C. 2118 - Requirement of insurance for all registered motor vehicles; penalty (statute, accessed Oct 5, 2026)