Drivers with Points Insurance
Get a Quote

Delaware SR-22 & High-Risk Auto Insurance

Delaware requires SR-22 filing for DUI convictions, multiple violations within 24 months, and driving without insurance. The filing requirement typically lasts 3 years and costs $15–$50 to file, but high-risk premiums average $2,200–$5,400 annually depending on violation severity and driving history.

Compare Delaware Auto Insurance

Non-Standard Auto · SR-22 · Senior · Teen Drivers

Liability Coverage — insurance-related stock photo
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant
Updated May 2026

State Requirements

Delaware requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage. The state also mandates $15,000/$30,000 in Personal Injury Protection (PIP) coverage for medical expenses regardless of fault. SR-22 filing is required for drivers convicted of DUI, those who accumulate 12 or more points within 24 months, drivers involved in at-fault accidents without insurance, and those who have had their license suspended or revoked. For drivers with violations or points, these minimums may not provide sufficient protection against out-of-pocket liability in serious accidents.

Delaware cityscape and street view
$25,000/$50,000/$10,000
Liability Insurance
Delaware's minimum liability limits of $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage, are among the lowest in the region and can be exhausted quickly in serious accidents. Drivers with violations or at-fault accidents on their record face higher premiums but should consider increasing limits to $100,000/$300,000 or higher to protect assets from lawsuits. Delaware allows insurers to surcharge liability premiums significantly for point violations, with increases of 30–80% common after speeding tickets or at-fault accidents.
$15,000/$30,000
Personal Injury Protection (PIP)
Delaware is a no-fault state requiring $15,000 per person and $30,000 per accident in PIP coverage to cover medical expenses, lost wages, and funeral costs regardless of who caused the accident. This mandatory coverage adds $200–$600 annually to policies but reduces the need to sue other drivers for minor injuries. High-risk drivers cannot waive PIP even if they have health insurance, and violation-related surcharges apply to PIP premiums just as they do to liability.
Must be offered at liability limits
Uninsured Motorist Coverage
Delaware requires insurers to offer uninsured and underinsured motorist coverage at the same limits as your liability policy, and you must sign a waiver to reject it. Approximately 10–12% of Delaware drivers are uninsured, making this coverage particularly valuable for drivers with points or violations who are already paying elevated premiums and cannot afford out-of-pocket medical bills or vehicle damage from an uninsured at-fault driver. UM/UIM coverage typically adds 5–15% to total premium cost.
Must meet state minimums
SR-22 Insurance
SR-22 is not a separate insurance policy but a certificate of financial responsibility that your insurer files with the Delaware Division of Motor Vehicles to prove you carry continuous coverage. The filing itself costs $15–$50, but the underlying insurance premiums for drivers requiring SR-22 average $2,200–$5,400 annually depending on the triggering offense. Not all carriers offer SR-22 filing in Delaware, so drivers often need to work with non-standard insurers like The General, Direct Auto, or National General.
Liability + Comprehensive + Collision
Full Coverage
Full coverage combines Delaware's required liability and PIP with comprehensive and collision coverage to protect your own vehicle from damage. For drivers with recent violations or at-fault accidents, full coverage on a financed vehicle can cost $3,200–$6,800 annually depending on vehicle value and deductible choices. Many high-risk drivers reduce premiums by increasing collision and comprehensive deductibles to $1,000 or higher, cutting costs by 15–25% while maintaining lender-required protection.
State-Mandated Minimum Coverage · Delaware

Delaware Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$10,000

License Reinstatement Fee$50

Meeting the state minimum keeps you legal. See whether it's enough — get your Delaware quote.

Get your Delaware quote

Cost Overview

Delaware drivers with violations, points, or SR-22 requirements pay significantly higher premiums than those with clean records, with increases ranging from 25% for a single speeding ticket to 150–250% for DUI convictions or multiple at-fault accidents. Delaware's mandatory PIP coverage adds to base costs, and the state allows insurers to apply surcharges for up to 3 years after a violation. High-risk drivers often see the largest rate reductions by shopping multiple carriers, as non-standard insurers specialize in this market and price violations differently than standard carriers.

What Affects Your Rate

  • Violation type and severity: DUI convictions increase premiums by 150–250%, while speeding tickets 15+ mph over add 25–50%
  • Number of points on record: Delaware's point system assigns 2–6 points per violation, and premiums escalate as you approach the 12-point suspension threshold
  • Time since violation: Surcharges typically decrease annually and fall off entirely after 3 years, with rates recovering to near-normal levels by year 4
  • SR-22 filing requirement: The filing itself costs $15–$50, but being in the SR-22 risk pool often limits you to non-standard carriers with higher base rates
  • ZIP code and city: Wilmington drivers pay 20–35% more than rural Sussex County residents due to higher accident and theft rates
  • Vehicle type and value: Comprehensive and collision premiums for high-risk drivers on newer vehicles can exceed $2,000 annually, making deductible selection critical
Minimum Liability
$180–$310/mo
State-required liability and PIP only, no physical damage coverage. Suitable for drivers with older vehicles who need to meet Delaware's legal minimums and SR-22 filing requirements at the lowest possible cost.
Standard Coverage
$220–$370/mo
Increased liability limits of $100,000/$300,000, uninsured motorist coverage, and higher PIP limits. Provides better protection for high-risk drivers who cannot afford out-of-pocket liability exposure.
Full Coverage
$270–$570/mo
Liability, PIP, comprehensive, and collision with $500–$1,000 deductibles. Required by lenders and recommended for newer vehicles, but high-risk premiums make high deductibles and vehicle value assessment critical for affordability.

Compare rates from carriers that work with drivers who have points

Standard carriers surcharge heavily after violations. These specialists price your specific record differently.

Get Your Free Quote
✓ Violation Specialists✓ No Obligation✓ Licensed Carriers✓ All Point Levels

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others in an accident. Delaware's $25,000/$50,000/$10,000 minimums are low and may not fully protect drivers with violations from lawsuits after serious accidents.

SR-22 Insurance

A certificate filed by your insurer proving you carry continuous coverage, required for DUI, license suspensions, and repeat violations. Any lapse resets the 3-year filing requirement and suspends your license.

Full Coverage

Combines liability, PIP, comprehensive, and collision to protect both your legal obligation and your own vehicle. Required by lenders and recommended for newer cars, but expensive for high-risk drivers.

Non-Standard Auto Insurance

Policies designed for drivers with violations, points, SR-22 requirements, or lapses who cannot obtain coverage from preferred carriers. Rates are higher but availability is broader.

Uninsured Motorist Coverage

Protects you if hit by a driver without insurance or with limits too low to cover your damages. Delaware requires insurers to offer UM/UIM at your liability limits, and you must waive it in writing to decline.

Personal Injury Protection (PIP)

Mandatory no-fault coverage that pays your medical expenses, lost wages, and funeral costs regardless of who caused the accident. Delaware requires $15,000/$30,000 in PIP on every policy.

Find Your City in Delaware

Wilmington, Delaware cityscape and street view

Wilmington

urban
Dover, Delaware cityscape and street view

Dover

suburban
Suburban house with white picket fence surrounded by colorful autumn trees and blue sky

Newark

suburban
Car parked at waterfront boat ramp with nuclear power plant cooling tower visible across the water

Middletown

suburban
Two coastal beach houses with American flag flying between them, surrounded by golden marsh grass under blue sky

Smyrna

suburban

Frequently Asked Questions

Get Your Free Quote in Delaware