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Delaware SR-22 & High-Risk Auto Insurance

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

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

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.

Liability Insurance

Personal Injury Protection (PIP)

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.

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.

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. 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.

Full Coverage

Full coverage combines Delaware's required liability and PIP with comprehensive and collision coverage to protect your own vehicle from damage.

Cost Overview

$387–$408/mo

Typical monthly rate in Delaware, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • 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
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Frequently Asked Questions

How long does SR-22 stay on my record in Delaware?

Delaware requires you to maintain SR-22 filing for 3 years from the date of license reinstatement or conviction, depending on the offense. If your insurance lapses at any point during those 3 years, your license is suspended and the 3-year clock resets from the new reinstatement date. After successfully completing the 3-year period without lapses, the SR-22 requirement ends and your rates typically begin to normalize.

How long do points stay on your driving record in Delaware?

Points remain on your Delaware driving record for 2 years from the date of conviction, not the date of the violation. After 2 years, the points drop off and no longer count toward the 12-point suspension threshold. However, the underlying violation remains visible to insurers for 3–5 years and continues to affect your premiums during that time, with surcharges typically decreasing each year.

Do I need SR-22 for a speeding ticket in Delaware?

A single speeding ticket does not require SR-22 filing in Delaware unless it contributes to accumulating 12 or more points within 24 months, which triggers license suspension. Most speeding violations add 2–5 points depending on how far over the limit you were driving. SR-22 is typically required only for DUI convictions, driving without insurance, at-fault accidents while uninsured, or habitual offender suspensions.

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

urban

Dover

suburban

Newark

suburban

Middletown

suburban

Smyrna

suburban