Delaware: Insurance Practice Test
The liability insurance you must keep on your vehicle and the penalties without it.
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Questions are original and based on the official manual "Delaware Driver Manual" (July 2026), Delaware Division of Motor Vehicles (DMV).
All 27 questions in this practice test
Take the test above first, then use this list to study. Tap “Show answer” to see the correct answer and explanation.
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Which form of insurance card is accepted for the vehicle you use at the road exam?
- Original paper card only
- Electronic card only
- A copy certified by the agent
- Original or electronic
Show answer
Correct answer: Original or electronic
The manual calls for a valid insurance card, original or electronic, for the vehicle you will be using.
Source: Delaware Driver Manual (July 2026), page 42 · Open this page in the manual (Manual page 42)
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Which of these is a reason the Division will suspend a driver license?
- Applying for a motorcycle endorsement
- Passing the eye screening on the first attempt
- Driving an uninsured motor vehicle
- Reporting a medical condition on a license application
Show answer
Correct answer: Driving an uninsured motor vehicle
Driving an uninsured vehicle, or driving without the insurance card in possession, is grounds for suspension.
Source: Delaware Driver Manual (July 2026), page 46 · Open this page in the manual (Manual page 46)
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Which of these is a reason the Division will suspend a driver license?
- Reporting a change of address within 30 days
- Not surrendering the plate after cancelling insurance
- Practicing with a sample exam on the DMV website
- Studying the driver manual before the road exam
Show answer
Correct answer: Not surrendering the plate after cancelling insurance
Failure to surrender the license plate after cancelling insurance on a vehicle is grounds for suspension.
Source: Delaware Driver Manual (July 2026), page 46 · Open this page in the manual (Manual page 46)
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Which of these is a reason the Division will suspend a driver license?
- Renewing a license within the 180-day renewal period
- Practicing with a sample exam on the DMV website
- Reporting a medical condition on a license application
- Making or possessing a false insurance document
Show answer
Correct answer: Making or possessing a false insurance document
Unlawful manufacture or possession of a false insurance document is grounds for suspension.
Source: Delaware Driver Manual (July 2026), page 46 · Open this page in the manual (Manual page 46)
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What is the first step in obtaining a Delaware vehicle title/registration?
- Establishing financial responsibility
- Having the vehicle inspected at a DMV lane
- Paying the sales tax on the vehicle
- Getting new license plates issued
Show answer
Correct answer: Establishing financial responsibility
The first step is establishing financial responsibility by purchasing a liability insurance policy.
Source: Delaware Driver Manual (July 2026), page 63 · Open this page in the manual (Manual page 63)
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Liability insurance must be purchased from a company licensed by whom to operate in Delaware?
- The Governor
- The Director of the DMV
- The Insurance Commissioner
- The Secretary of State
Show answer
Correct answer: The Insurance Commissioner
The policy must come from a company licensed by the Insurance Commissioner to operate in Delaware.
Source: Delaware Driver Manual (July 2026), page 63 · Open this page in the manual (Manual page 63)
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What is the minimum PIP (Personal Injury Protection) coverage for any 1 person injured in a crash?
- $10,000
- $15,000
- $25,000
- $50,000
Show answer
Correct answer: $15,000
The PIP minimum is $15,000 for any 1 person and $30,000 for all persons injured in any 1 crash.
Source: Delaware Driver Manual (July 2026), page 63 · Open this page in the manual (Manual page 63)
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What is the minimum PIP coverage for all persons injured in any 1 crash?
- $15,000
- $25,000
- $50,000
- $30,000
Show answer
Correct answer: $30,000
The PIP minimum is $30,000 for all persons injured in any 1 crash.
Source: Delaware Driver Manual (July 2026), page 63 · Open this page in the manual (Manual page 63)
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What is the minimum coverage for bodily injury or death of one person in any one crash?
- $25,000
- $10,000
- $15,000
- $30,000
Show answer
Correct answer: $25,000
The minimum is $25,000 for bodily injury or death of one person in any one crash.
Source: Delaware Driver Manual (July 2026), page 63 · Open this page in the manual (Manual page 63)
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What is the minimum coverage for bodily injury or death of two or more persons in any one crash?
- $25,000
- $30,000
- $50,000
- $100,000
Show answer
Correct answer: $50,000
The minimum is $50,000 for bodily injury or death of two or more persons in any one crash.
Source: Delaware Driver Manual (July 2026), page 63 · Open this page in the manual (Manual page 63)
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What is the minimum coverage for injury to, or destruction of, property of others in any one crash?
- $5,000
- $10,000
- $15,000
- $25,000
Show answer
Correct answer: $10,000
The minimum is $10,000 for injury to, or destruction of, property of others in any one crash.
Source: Delaware Driver Manual (July 2026), page 63 · Open this page in the manual (Manual page 63)
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Which number must a Delaware Insurance Identification Card include along with the period of coverage?
- The vehicle's license plate number
- The driver's license number
- The DMV registration number
- The NAIC company identification number
Show answer
Correct answer: The NAIC company identification number
The card must include the period of coverage and the NAIC company identification number (NAIC code).
Source: Delaware Driver Manual (July 2026), page 63 · Open this page in the manual (Manual page 63)
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How often are Delaware Insurance Identification Cards re-issued?
- Every six months
- Every month
- Every year
- Every two years
Show answer
Correct answer: Every six months
ID cards are re-issued every six months.
Source: Delaware Driver Manual (July 2026), page 63 · Open this page in the manual (Manual page 63)
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In what form may the Delaware Insurance Identification Card be carried?
- Paper only
- Electronic only
- Paper or electronic
- Laminated only
Show answer
Correct answer: Paper or electronic
The card may be paper or electronic.
Source: Delaware Driver Manual (July 2026), page 63 · Open this page in the manual (Manual page 63)
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A written insurance binder is acceptable proof of insurance within how many days of issue?
- 10 days
- 30 days
- 60 days
- 90 days
Show answer
Correct answer: 30 days
A written binder within 30 days of issue from an insurance company or agent on letterhead is acceptable.
Source: Delaware Driver Manual (July 2026), page 63 · Open this page in the manual (Manual page 63)
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When is faxed proof of insurance acceptable to the DMV?
- When the vehicle owner faxes it from home
- When an insurance agent faxes it from any office
- When it is faxed along with a signed statement
- When the insurer sends it directly to the DMV only
Show answer
Correct answer: When the insurer sends it directly to the DMV only
Faxed insurance is acceptable only if sent directly from the insurance company to the DMV; third party faxes are not accepted.
Source: Delaware Driver Manual (July 2026), page 63 · Open this page in the manual (Manual page 63)
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What is the fine for a first offense of operating an uninsured vehicle?
- Not less than $1,500 nor more than $2,000
- Not less than $500 nor more than $1,000
- Not less than $3,000 nor more than $4,000
- Not less than $2,500 nor more than $5,000
Show answer
Correct answer: Not less than $1,500 nor more than $2,000
The penalty for operating an uninsured vehicle is a fine not less than $1,500.00 nor more than $2,000.00.
Source: Delaware Driver Manual (July 2026), page 63 · Open this page in the manual (Manual page 63)
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What is the fine for each subsequent uninsured-vehicle offense within three years of a former offense?
- Not less than $1,500 nor more than $2,000
- Not less than $500 nor more than $1,000
- Not less than $3,000 nor more than $4,000
- Not less than $5,000 nor more than $6,000
Show answer
Correct answer: Not less than $3,000 nor more than $4,000
Each subsequent offense within three years carries a fine of not less than $3,000.00 nor more than $4,000.00.
Source: Delaware Driver Manual (July 2026), page 63 · Open this page in the manual (Manual page 63)
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What is the penalty for providing false proof of insurance?
- A suspended registration for one year
- An additional fine of $500 and/or 30 days in jail
- An additional fine of $1,500 and 90 days in jail
- Only loss of the insurance card
Show answer
Correct answer: An additional fine of $500 and/or 30 days in jail
Providing false proof of insurance results in an additional fine of $500.00 and/or 30 days in jail.
Source: Delaware Driver Manual (July 2026), page 63 · Open this page in the manual (Manual page 63)
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What must a Delaware vehicle owner do before cancelling insurance on a vehicle for any reason?
- Surrender the valid license plate to the Division first
- Notify the Division by mail ten days in advance
- Have the vehicle inspected again at a DMV location
- Return the registration card to the insurer
Show answer
Correct answer: Surrender the valid license plate to the Division first
Owners cancelling insurance must first surrender their valid license plate to the Division, and failing to do so results in fines.
Source: Delaware Driver Manual (July 2026), page 64 · Open this page in the manual (Manual page 64)
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What is the result of failing to surrender a valid license plate before an insurance cancellation?
- The vehicle is towed at once
- The driver license is cancelled
- The owner will be fined
- The registration renews itself
Show answer
Correct answer: The owner will be fined
The manual states that failure to surrender a valid license plate prior to insurance cancellation will result in fines.
Source: Delaware Driver Manual (July 2026), page 64 · Open this page in the manual (Manual page 64)
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Who may confiscate the registration plate of a vehicle when there is no affirmative proof that it is insured, after proper notice is sent to the owner?
- Only a judge, after a hearing and a written court order
- Department of Insurance personnel and/or law enforcement officials
- Only the DMV inspection technician at one of the four DMV locations
- Any licensed insurance agent in the county where the owner lives
Show answer
Correct answer: Department of Insurance personnel and/or law enforcement officials
Specialized personnel with the State Department of Insurance and/or law enforcement officials may confiscate the plate after proper notice.
Source: Delaware Driver Manual (July 2026), page 64 · Open this page in the manual (Manual page 64)
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How does the Delaware Division of Motor Vehicles check that registered vehicles are insured?
- It checks insurance only when a vehicle is sold or transferred
- It checks insurance only at the yearly inspection lane visit
- It checks insurance only after a crash has been reported
- It randomly audits proof of insurance on active registrations
Show answer
Correct answer: It randomly audits proof of insurance on active registrations
The Division randomly audits for proof of insurance on active registrations.
Source: Delaware Driver Manual (July 2026), page 64 · Open this page in the manual (Manual page 64)
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What is the penalty for being uninsured for the first 1-30 days?
- $100.00
- $50.00
- $25.00
- $200.00
Show answer
Correct answer: $100.00
The penalty for being uninsured is $100.00 for 1-30 days.
Source: Delaware Driver Manual (July 2026), page 64 · Open this page in the manual (Manual page 64)
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After the first 30 days of being uninsured, how much is added to the penalty for each additional day?
- $1.00
- $10.00
- $5.00
- $2.50
Show answer
Correct answer: $5.00
The penalty is $100.00 for 1-30 days and an additional $5.00 per day after that.
Source: Delaware Driver Manual (July 2026), page 64 · Open this page in the manual (Manual page 64)
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The daily penalty for being uninsured keeps growing until which of these happens?
- The owner pays the full first 30 days of penalties at once
- Insurance is obtained, tags are surrendered, or registration expires
- The vehicle passes its next inspection at any DMV location
- The owner receives a second written notice from the Division
Show answer
Correct answer: Insurance is obtained, tags are surrendered, or registration expires
The extra $5.00 per day continues until insurance is obtained, tags are surrendered, or the registration expires.
Source: Delaware Driver Manual (July 2026), page 64 · Open this page in the manual (Manual page 64)
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What happens to the registration of an owner who fails to respond to the DMV's request for proof of insurance?
- The registration is extended 30 days
- The owner gets a verbal warning only
- The plate is swapped for a temporary tag
- The registration is suspended
Show answer
Correct answer: The registration is suspended
Suspensions are imposed on the registration of all owners who fail to respond to the request.
Source: Delaware Driver Manual (July 2026), page 64 · Open this page in the manual (Manual page 64)