Buying a car in Delaware is not “sticker plus Georgia’s Title Ad Valorem Tax,” and it is not a 0% tax state just because Delaware has no general sales tax. The purchase tax is the motor vehicle document fee — a titling tax collected by DMV at $5.25 per $100 of purchase price, effective 1 October 2025. Title is $35. Passenger registration is $40 per year. There is no Lemon Law surcharge on the purchase.
This guide explains how a Delaware auto loan calculator turns those official rules into a monthly payment. Every dollar below comes from the Delaware Code, DMV regulations, Delaware News, or Federal Reserve G.19. Industry surveys are not used. You will see a $38,000 new-car example at the official 60-month bank average of 7.14 percent, a cash-versus-roll comparison, a Delaware-titled used-dealer trade, and a private-party deal without that credit.
What Makes Delaware Different From Most States
Many shoppers hear “no sales tax” and assume the car is tax-free. Delaware has no general statewide sales tax on the vehicle. That is true, and it is also a trap. The tax you pay at title is the document fee under Title 30, Chapter 30 of the Delaware Code. It is imposed on the sale, transfer, or registration of a new or used motor vehicle, truck tractor, trailer, or motorcycle. It is not Title Ad Valorem Tax. It is not a county add-on. It is statewide.
The other Delaware rule that surprises people is the bracket math. The live rate since 1 October 2025 is $5.25 per $100 of purchase price (85 Del. Laws c. 40). The old 4.25 percent rate died on that date. Titles processed on or after 1 November 2025 use the new rate even if the car was bought earlier. A naive 5.25 percent of $38,000 is $1,995. The statute’s brackets produce $1,983. Using $1,995, $1,615 (4.25 percent), $0 “because there is no sales tax,” or Georgia’s $2,660 TAVT all miss the official number.
Important: Delaware’s vehicle tax is a 5.25% document fee (titling tax), not sales tax and not TAVT. Do not copy a Georgia TAVT line of $2,660 onto a $38,000 Delaware deal. Do not use 4.25%. Do not use 5.25% of price without the $13.75 + $5.25 per $100 brackets and rounding to the nearest dollar.
Purchase price means gross consideration minus a qualifying trade-in or allowance (30 Del. C. § 3001(5)). A notarized bill of sale evidences the price. 2 DE Admin. Code 2266 generally limits the credit to vehicles currently titled in Delaware, with exceptions for a prior Delaware-titled trade, out-of-state tax paid within 90 days, or a private sale of another vehicle 60 days before or after (one vehicle per application).
New residents who paid another state’s sales or transfer tax within 90 days before the Delaware title do not pay the document fee (30 Del. C. § 3002(a)(4); 21 Del. C. § 2102). They still pay title and registration. Without that exemption, first title of a vehicle bought and registered out of state uses fair market value (NADA average trade-in). If the title application and the lien-contract price disagree, DMV uses the higher price (2 DE Admin. Code 2266).
Dealer and casual sales both pay the same document-fee statute unless a § 3002(a) exemption applies. Title is due within 30 days; after that there is an additional $35 penalty (21 Del. C. § 2508). There is no cooling-off period on a dealership purchase. The dealer’s $2.00 handling fee (30 Del. C. § 3004) is paid by the dealer to the State — not a customer cap. No statutory customer documentary-fee cap was located, so extra dealer processing defaults to $0.
References:
- 30 Del. C. Chapter 30 — document fee, purchase-price and trade-in definitions
- Delaware News, 30 September 2025 — document fee 4.25% → 5.25% on 1 October 2025
- 2 DE Admin. Code 2266 — trade-in limited to DE-titled vehicles; NADA for certain out-of-state titles
Official Delaware Fees You Can Rely On (2026)
These costs are published in the Delaware Code and in DMV’s October 2025 fee-increase announcement. A responsible calculator uses them as defaults. It does not invent an average dealer processing fee, a used-car APR, or a Lemon Law surcharge that the statute does not collect at title.
| Item | Official amount | Source |
|---|---|---|
| Motor vehicle document fee (titling tax) | $5.25 per $100 (brackets) | 30 Del. C. § 3002; effective 1 Oct 2025 (was 4.25%). Statewide. No general sales tax on the vehicle. |
| Purchase price under $400 | $8.00 | § 3002 |
| Purchase price $400–$500 | $13.75 | § 3002 |
| Each additional $100 or fraction thereof | +$5.25, then nearest dollar | § 3002. Any fraction of $100 counts as a full increment. |
| Original title | $35 | 21 Del. C. § 2305 |
| Transfer of title | $35 | 21 Del. C. § 2508 |
| Late title (more than 30 days) | additional $35 penalty | 21 Del. C. § 2508 |
| Passenger registration (pleasure / carrying persons, incl. station wagons) | $40 / year | 21 Del. C. § 2151(2). May register 6 / 12 / 24 months (prorated). |
| Motorcycle registration | $15 / year | 21 Del. C. § 2151(1) |
| EV extra, GVW ≤ 6,000 lb | $110 / year | 21 Del. C. § 2151A(1) |
| Plug-in extra, same weight | $85 / year | 21 Del. C. § 2151A(2) |
| Non-plug-in electric extra | $60 / year | 21 Del. C. § 2151A(3) |
| Lemon Law purchase surcharge | None | Lemon Law is a warranty remedy, not a DMV add-on. |
| Dealer handling fee | $2.00, paid by the dealer | 30 Del. C. § 3004 — not a buyer cap |
| Customer processing / “doc” fee | User-entered, default $0 | No statutory customer cap located |
| APR prefill | 7.14% | Federal Reserve G.19, 60-month new-car bank, Q2 2026 |
Registration may be 6, 12, or 24 months; used vehicles seven model years old or newer may go longer under a DMV formula (21 Del. C. § 2109). The official worked example uses one year at $40. Alternative-fuel extras in § 2151A prorate the same way.
Example 1: Official fee stack on a new passenger car (one year)
Scenario: New Delaware dealer sale, gasoline engine, title on time, 12-month passenger registration, no extra dealer processing.
Title (original) $35.00 Passenger registration (12 months) $40.00 EV / PHEV / hybrid extra $0.00 Late-title penalty $0.00 —————————————- Official DMV fees $75.00 Document fee is separate — see brackets below.
There is no Lemon Law line. The dealer’s $2 handling fee does not appear on the buyer’s side. Processing stays at $0 unless you type a number from the buyer’s order.
Example 2: Battery-electric passenger car, 12 months, late title
Scenario: Same $38,000 car, but it is a battery electric with GVW at or under 6,000 pounds, and the title application is more than 30 days after purchase.
Title $35.00 Passenger registration $40.00 EV extra (21 Del. C. § 2151A(1)) $110.00 Late-title penalty (§ 2508) $35.00 —————————————- Official DMV fees $220.00
The EV extra sits on top of the $40 passenger rate and is not part of the document-fee base. A plug-in hybrid uses $85; a non-plug-in hybrid uses $60. Motorcycle registration replaces the $40 line with $15.
References:
- 21 Del. C. § 2305 (title $35); 21 Del. C. § 2508 (transfer $35; 30-day penalty)
- 21 Del. C. § 2151 (passenger $40/year; motorcycle $15/year)
- 21 Del. C. § 2151A (EV extra $110 / PHEV $85 / non-plug-in extra $60)
- 30 Del. C. § 3004 (dealer $2 handling fee, paid by the dealer)
How the Delaware Document Fee Is Figured
The document fee is not “5.25 percent of whatever you financed.” It is a published bracket on purchase price. For vehicles other than mobile homes, effective 1 October 2025:
- Purchase price under $400: $8.00
- Purchase price $400 through $500: $13.75
- Thereafter: add $5.25 for each additional $100 of purchase price or fraction thereof, then round to the nearest dollar
For any purchase price of $500 or more, the arithmetic the official brief uses is:
Document fee (before rounding) = $13.75 + $5.25 × ((purchase price − $500) ÷ $100) Any leftover dollars count as a full $100 increment. Then round that result to the nearest dollar.
Cash down does not reduce this fee. A manufacturer rebate does not reduce this fee. Dealer processing is not in this base. A qualifying Delaware-titled trade-in does reduce purchase price under § 3001(5).
Why a naive 5.25 percent is wrong
People multiply 0.0525 times the sticker and call it done. That ignores the $13.75 starting point at $500 and the dollar rounding. On a typical new-car price the two methods differ by about twelve dollars — enough to prove you used the wrong statute, not enough to look like a typo for TAVT.
Example 1: $38,000 with no trade-in
Scenario: New Delaware dealer. Selling price $38,000. No trade, no rebate.
Increments of $100 above $500: ($38,000 − $500) ÷ $100 = 375 exactly $13.75 + ($5.25 × 375) = $13.75 + $1,968.75 = $1,982.50 Round to nearest dollar: $1,983 Wrong methods (do not use): Naive 5.25% × $38,000 = $1,995.00 Expired 4.25% × $38,000 = $1,615.00 Georgia TAVT 7% × $38,000 = $2,660.00
The official document fee on this car is $1,983. That is the number in the $38,000 worked example. Keep it. Do not “simplify” it to 5.25 percent of price.
Example 2: Low-price brackets still matter
Scenario: A very cheap transfer — not the $38,000 car, but the same statute.
Price $350: under $400 → $8.00 Price $400: $400–$500 bracket → $13.75 Price $500: still that bracket → $13.75 Price $501: first extra $100 → $13.75 + $5.25 = $19.00
The $400–$500 line stays $13.75 as published. Rounding to the nearest dollar applies to the “thereafter” arithmetic, not to that published $13.75 cell. A calculator that rounds $13.75 up to $14 at a $500 price has left the statute.
Trade-in credit is a Delaware-title rule, not a handshake
At a dealer or in a private sale, purchase price is gross minus trade-in when the trade qualifies. 2 DE Admin. Code 2266 generally requires the trade to be currently titled in Delaware. If you tow in a car titled only in Maryland and you cannot show the 90-day paid-tax exception (or a prior Delaware title), DMV does not subtract that trade from the document-fee base. The trade can still reduce the amount you finance. Those are different columns.
Example 1: Used dealer with a Delaware-titled $3,000 trade
Scenario: Price $18,500 at a used dealer. Trade-in $3,000, currently titled in Delaware.
Document-fee purchase price: $18,500 − $3,000 = $15,500.00 Increments: ($15,500 − $500) ÷ $100 = 150 $13.75 + ($5.25 × 150) = $13.75 + $787.50 = $801.25 Round to nearest dollar: $801
The $3,000 Delaware-titled trade reduced the document fee from what it would have been on $18,500. There is still no official used-car APR — enter the quote on your contract.
Example 2: Same numbers, trade not Delaware-titled
Scenario: Same $18,500 car and same $3,000 trade, but the trade is not Delaware-titled and no 90-day or 60-day exception applies.
Document-fee purchase price: $18,500.00 (trade not credited) Increments: ($18,500 − $500) ÷ $100 = 180 $13.75 + ($5.25 × 180) = $13.75 + $945.00 = $958.75 Round to nearest dollar: $959 Amount financed still subtracts the $3,000 trade. The document fee does not.
This is the official trap. Giving trade-in credit on a vehicle that is not Delaware-titled, unless an exception is documented, is how a calculator silently understates DMV’s bill.
References:
- 30 Del. C. § 3002 — document fee brackets; 1 October 2025 rate
- 30 Del. C. § 3001(5) — purchase price minus trade-in; 60-day private-sale credit
- 2 DE Admin. Code 2266 — DE-titled trade-in; NADA average trade-in for certain out-of-state titles; higher of title application or lien-contract price
New Residents, Out-of-State Titles, and Private-Party Deals
Delaware’s document fee is the same statute for a franchise dealer and a casual sale. What changes is whether an exemption applies and what number counts as purchase price.
New resident / 90-day reciprocity. The document fee is not imposed if the owner paid another state a sales or transfer tax within 90 days before the Delaware title (30 Del. C. § 3002(a)(4); 21 Del. C. § 2102). Title is still $35. Registration is still $40 per year for a passenger car. People moving from a high-tax state often qualify. People who never paid a sales or transfer tax elsewhere generally do not.
First Delaware title of a vehicle bought and registered out of state without the 90-day exemption uses fair market value as of titling — NADA average trade-in, not necessarily the old bill of sale (2 DE Admin. Code 2266 § 12).
Private party. Same brackets. Title within 30 days. Document fee, title, and tag are typically cash at DMV rather than rolled into a bank loan, because there is no dealer F&I desk. A “trade” with a neighbor reduces the document fee only if it meets the same Delaware-title or 60-day rules.
Example 1: Private party, $18,500, no qualifying trade
Scenario: You buy a used car from a private seller in New Castle County for $18,500. You are not trading a Delaware-titled vehicle.
Document fee on $18,500 = $959 Title $35 12-month passenger registration $40 Typically cash at DMV: $959 + $35 + $40 = $1,034.00
If you later finance the car at a credit union, the lender’s principal is a separate contract. DMV still wants the document fee when you title.
Example 2: New resident who paid tax in another state 40 days ago
Scenario: You move to Delaware with a car you bought and taxed in Pennsylvania 40 days ago. You title it here in the same name.
Document fee (§ 3002(a)(4)): $0.00 (90-day reciprocity) Title $35.00 12-month passenger registration $40.00 Cash at DMV $75.00
If that Pennsylvania tax had been paid 120 days ago, the 90-day window would be closed. Then Delaware would look to fair market value (NADA average trade-in) and charge the document-fee brackets on that FMV. Title and registration would still be due.
Important: Reciprocity wipes the document fee, not the title and tag. A calculator that zeros every DMV line for a new resident is inventing an exemption the Code does not grant.
References:
- 30 Del. C. § 3002(a)(4) and 21 Del. C. § 2102 — 90-day paid-tax exemption
- 2 DE Admin. Code 2266 § 12 — NADA average trade-in for certain out-of-state first titles
- 21 Del. C. § 2508 — 30-day title deadline and $35 penalty
Official Auto Loan Rates (Federal Reserve G.19)
Delaware does not publish a statewide official APR series. The official U.S. series is the Federal Reserve G.19 Consumer Credit release (Regulation Z APRs). The current release dated 7 August 2026 reports June / Q2 2026 data. Bank rates are unweighted averages of each bank’s most common rate in the first calendar week of the middle month of the quarter — not origination-weighted, and not Delaware-specific.
| Series | Rate | Period |
|---|---|---|
| Commercial-bank 60-month new-car | 7.14% | Q2 2026 |
| Commercial-bank 72-month new-car | 6.97% | Q2 2026 |
| Finance-company new-car (amount-weighted) | 6.1% (Q1) / 6.08% (Mar 2026) | 2026; FRED RIELPCFANNM |
Do not treat the 72-month bank print sitting below 60-month as “longer terms are cheaper.” G.19 says that is the banks’ “most common” quoted mix, not a term premium. G.19 does not publish a used-car APR. The calculator must not invent one. Prefill 7.14 percent only as the 60-month new-car bank average. For a used car, enter your lender quote, or leave 7.14 percent only as an illustration labeled “shown at the official 60-month new-car bank rate.”
Example 1: Why 60 months is the chip, not 84
G.19 publishes a 60-month new-car bank series, so 60 months is the chip. Eighty-four months is common in the market; it is not an official default.
Example 2: Why there are no FICO chips
No official government table maps credit-score bands to Delaware auto APRs. Industry surveys are not used. The calculator amortizes at the rate you type. Under 5 Del. C. Chapter 29 the finance charge is as agreed (§ 2908); a delinquency charge after 10 or more days may not exceed 5 percent of the installment or $15, whichever is less (§ 2907(h)). Those rules are not an APR table.
Important: The payment is an estimate, not a Regulation Z / TILA quote and not a lender offer. Amortize at the user’s contract rate.
References:
- Board of Governors of the Federal Reserve System, Consumer Credit — G.19, current release 7 August 2026. https://www.federalreserve.gov/releases/g19/current/default.htm
- 5 Del. C. Chapter 29 — motor vehicle sales finance; late charge § 2907(h)
How the Monthly Payment Is Calculated
Treat the entered rate as a nominal annual rate, compounded monthly. Monthly rate i equals the annual rate divided by 12. For amount financed P over n months, the payment is the standard amortization formula. If the rate is zero, the payment is simply P divided by n. Round the monthly payment to cents (half-up). The last payment clears the residual so the schedule actually reaches zero. Totals come from that schedule, not from monthly payment times term as a shortcut.
Amount financed is roughly (price minus down minus trade plus trade payoff minus rebate) plus the rolled document fee, rolled official DMV fees, and financed GAP or warranty. Dealer processing, if you type one, sits with price as part of the deal — it is not a state fee. Cash due is down plus any document fee and official fees you did not roll. Cash down does not change the document fee. Rolling the fee finances the fee; it never changes what § 3002 charges.
Example 1: Same $34,200 principal, two rates
Scenario: Price $38,000, down $3,800, document fee and DMV fees paid in cash, so you finance only $34,200 for 60 months.
At 7.14% (G.19 60-month bank): $679.46 per month At 0% (rare special): $34,200 ÷ 60 = $570.00 per month
The official default is 7.14 percent, not zero. Changing the APR changes interest; it does not change the $1,983 document fee.
Example 2: Rolling the document fee raises principal, not the fee
Scenario: Same $38,000 car. Document fee is still $1,983 and official fees are still $75 whether you roll them or write a check.
Rolled principal: $38,000 − $3,800 + $1,983 + $75 = $36,258.00 Cash principal: $38,000 − $3,800 = $34,200.00 Document fee in both cases: $1,983.00
Rolling changes the loan and the cash you bring to signing. It never changes the document fee DMV describes.
References:
- Standard compound-interest amortization; payment rounded half-up to cents; last payment clears residual (Delaware brief, section 3)
- Federal Reserve G.19 for the 7.14% illustration rate
Complete Worked Examples
The four official illustrations use a new Delaware dealer unless noted, an ICE passenger car, extra dealer processing of $0, no trade or rebate or F&I products unless stated, document fee at the statutory 5.25% brackets, title $35, 12-month passenger registration $40, and the G.19 60-month bank rate of 7.14 percent for 60 months. Payment is rounded half-up to cents; the last payment clears the residual.
Example A — Document fee, title, and tag rolled
Example A: $38,000 new dealer car, 10 percent down, everything rolled
Scenario: New Delaware dealer. Price $38,000. Down $3,800. Roll the document fee, title, and 12-month registration into the loan. No trade, no rebate, no GAP, no warranty, no EV extra, title on time.
Document fee $13.75 + $5.25 × 375 = $1,982.50 → $1,983.00 Title $35.00 Passenger registration (12 months) $40.00 Amount financed = $38,000 − $3,800 + $1,983 + $35 + $40 = $36,258.00 Monthly payment (7.14%, 60 months) $720.35 Cash due at signing $3,800.00 Total of payments $43,220.95 Total interest $6,962.95
This is the headline Delaware illustration. Do not replace $1,983 with Georgia TAVT $2,660. Do not use 4.25% ($1,615). Do not use naive 5.25% of $38,000 ($1,995).
Example B — Same deal, document fee and fees in cash
Example B: Write a check for the document fee, title, and tag
Scenario: Identical $38,000 car, $3,800 down, 7.14 percent, 60 months. Document fee and official fees are paid at signing instead of rolled.
Amount financed = $38,000 − $3,800 = $34,200.00 Monthly payment $679.46 Cash due = $3,800 + $1,983 + $35 + $40 = $5,858.00 Total of payments $40,767.75 Total interest $6,567.75 Rolling costs extra interest vs cash: $6,962.95 − $6,567.75 = $395.20 Rolling saves cash at signing: $5,858.00 − $3,800.00 = $2,058.00
The cheaper monthly payment in Example B is not a different tax. It is a smaller loan. You brought $2,058 more to the table. Over 60 months you paid $395.20 less interest.
Example C — Used dealer with a Delaware-titled trade
Example C: $18,500 used car, $3,000 Delaware-titled trade
Scenario: Used dealer. Price $18,500. Trade currently titled in Delaware at $3,000.
Net purchase price: $18,500 − $3,000 = $15,500.00 Document fee: $13.75 + $5.25 × 150 = $801.25 → $801 Title still $35; 12-month tag still $40. No official used-car APR — enter your quote. A trade not DE-titled (and not in the 90-day exceptions) does not reduce the document fee.
Check the “currently titled in Delaware” box only when that is true. Leaving it unchecked on a Maryland-titled trade keeps the document fee on the full $18,500 ($959), which is what DMV will do.
Example D — Private party, or new-resident exemption
Example D: $18,500 private sale, then the 90-day new-resident path
Scenario A — private party, no qualifying trade:
Document fee on $18,500 = $959 Typically cash at DMV with title $35 + tag $40 Total at DMV $1,034.00
Scenario B — new resident who paid another state’s sales/transfer tax within 90 days:
Document fee (§ 3002(a)(4)): $0 Title + 12-month passenger tag $75.00
Same car, two very different DMV bills. The calculator’s purchase-channel dropdown is how you tell it which statute path you are on.
Common Questions and Edge Cases
Does Delaware really have no sales tax on cars? It has no general statewide sales tax on the vehicle. It has a document fee that functions as a titling tax at $5.25 per $100. Treating the state as 0% is how people get a four-figure surprise at DMV.
Is the document fee 5.25 percent of the loan? No. It is brackets on purchase price, then nearest dollar. Down payment, GAP, and warranty are not in that base. A qualifying Delaware-titled trade-in is.
Can I roll the document fee into the loan? Many dealer deals do. Financing it does not change the fee. Private-party buyers typically pay it cash at DMV. Rolling Example A versus cash Example B costs $395.20 extra interest to put $2,058 less on the table.
What if I am late titling? After 30 days, add a $35 penalty (21 Del. C. § 2508) on top of the $35 title.
What about an electric car? Add $110 per year for a battery electric at or under 6,000 pounds, $85 for a plug-in hybrid, or $60 for a non-plug-in electric extra (21 Del. C. § 2151A). Those extras prorate if you register 6 or 24 months. They are not Lemon Law charges. Delaware publishes no Lemon Law purchase add-on.
Is the dealer’s $2 handling fee my problem? Section 3004 makes it a dealer-to-state obligation. It is not a customer documentary-fee cap. If the buyer’s order shows a processing fee, type that amount; default is $0 because no customer cap was located in statute.
Is there a cooling-off period? No, not on a dealership purchase. 5 Del. C. Ch. 29 still limits a delinquency charge after 10 or more days to the lesser of 5 percent of the installment or $15.
Data Sources and How This Stays Current
Defaults are from government publications accessed 29 August 2026: 30 Del. C. Chapter 30 and Delaware News for the document fee; 2 DE Admin. Code 2266 for trade-in and NADA rules; Title 21 for title, registration, and alternative-fuel extras; Federal Reserve G.19 for the APR prefill. When those sources change, the defaults should move with them. The calculator should not scrape a live DMV estimator or import credit-tier tables. If a figure is not official, it stays user-entered.
Keep these pages, not survey blogs:
- Delaware Code, Title 30, Chapter 30
- 21 Del. C. § 2305 — title $35
- Federal Reserve G.19 current release
Conclusion
A Delaware auto loan estimate has three official pieces and one personal piece. The official pieces are the document fee at the 5.25% brackets (not 4.25%, not naive 5.25% of price, not TAVT, not $0), the $35 title plus $40 one-year passenger tag, and the Federal Reserve 7.14 percent 60-month new-car bank average as a starting APR. The personal piece is your contract rate, down payment, whether the trade is Delaware-titled, and whether you roll DMV costs into the loan.
On the official $38,000 example with 10 percent down at 7.14 percent for 60 months, rolling the $1,983 document fee plus $75 of title and tag produces a $720.35 monthly payment and $3,800 cash due. Paying those same lines in cash produces a $679.46 payment and $5,858 cash due. Same tax, different way to pay it.
Replace the 7.14 percent illustration with the APR on your contract, confirm whether the trade is Delaware-titled, and title the car within 30 days. The payment on the page is an estimate — not a lender offer, and not a TILA disclosure.
Complete Reference List
- Board of Governors of the Federal Reserve System. Consumer Credit — G.19. Current release, 7 August 2026 (June / Q2 2026 data). https://www.federalreserve.gov/releases/g19/current/default.htm
- Delaware Code, Title 30, Chapter 30 (motor vehicle document fee 5.25%; purchase-price and trade-in definitions). https://delcode.delaware.gov/title30/c030/
- Delaware News, “DMV Fees Increase in October 2025,” 30 September 2025 (document fee 4.25% → 5.25% on 1 October 2025). https://news.delaware.gov/2025/09/30/dmv-fees-increase-in-october-2025/
- 2 DE Admin. Code 2266 (trade-in limited to Delaware-titled vehicles; NADA average trade-in for certain out-of-state titles). https://regulations.delaware.gov/AdminCode/title2/2266
- 21 Del. C. § 2305 (original title $35). https://delcode.delaware.gov/title21/c023/sc01/index.html
- 21 Del. C. § 2508 (title transfer $35; 30-day late penalty). https://delcode.delaware.gov/title21/c025/index.html
- 21 Del. C. § 2151 (passenger $40/year; motorcycle $15/year). https://delcode.delaware.gov/title21/c021/sc04/
- 21 Del. C. § 2151A (EV extra $110 / PHEV $85 / non-plug-in extra $60)
- 21 Del. C. § 2102 (new-resident registration; used with § 3002(a)(4) 90-day reciprocity)
- 21 Del. C. § 2109 (registration periods; used vehicles ≤ 7 model years)
- 30 Del. C. § 3004 (dealer handling fee $2.00, paid by the dealer to the State)
- 5 Del. C. Chapter 29 (motor vehicle sales finance; delinquency charge § 2907(h); finance charge as agreed § 2908). https://delcode.delaware.gov/title5/c029/index.html
Access date for official figures: 29 August 2026. This article and the calculator it describes are estimates for education. They are not a Regulation Z / TILA disclosure, not a Delaware DMV quote, and not a lender offer. Verify current Delaware Code, DMV procedures, and your contract before you sign or title.