Best Delaware SR-22 Insurance in 2024

Delaware SR-22 requirements

Delaware is one of the few states that doesn’t require an SR-22 form. If you get into a car accident or are caught driving a car without car insurance, you’re required to pay a fee rather than get SR-22 insurance in Delaware and your license may be suspended.

For the first time you’re caught driving without insurance, you’ll need to pay a fee of $1,500. If you’re caught for a second time, you’ll have to pay a fine of $3,000 and your license will be suspended. Your license most likely won’t be suspended on your first time caught.

For states that require an SR-22 form, it means the driver committed a driving violation and has been required by their state or court to file it. The SR-22 insurance form is a proof of insurance and it guarantees to the state that you have the minimum amount of insurance coverages required of you and it allows you to drive in the state.

Often times, the SR22 requirement is referred to as SR22 insurance. While SR-22 insurance is not actually a different type of insurance from typical car insurance, the term is often used to describe car insurance coverage for those who need an SR-22 endorsement because an SR22 affects your car insurance coverage and cost.

Delaware has a similar requirement to the SR-22 form called the FR-19, which is proof of car insurance. The difference is that an SR22 is that it’s required after a traffic offense for typically three years but the FR19 just validates that you have car insurance coverage in place at that time.

SR-22 insurance limits in Delaware

Although Delaware does not require drivers to have SR-22 insurance after certain convictions, you may be required to have FR19 insurance and the state still requires all drivers to have minimum car insurance coverage. Delaware drivers are required to have at least the following car insurance limits:

• $25,000 for bodily injury or death per person
• $50,000 for bodily injury or death per accident
• $10,000 for property damage coverage per accident

Failure to have the minimum car insurance limits results in fines and potentially a license suspension. This can happen if you’re unable to prove you have car insurance when an FR19 is requested.

Who needs an SR22 in Delaware?

Even though Delaware does not require its drivers to have SR22 insurance after certain convictions, if you’re a driver in Delaware and you’re moving to a state that requires SR-22 insurance, you may need SR22 insurance in your new state. SR22 insurance is required in a few scenarios in order for you to get your license reinstated. SR-22s are required after you’ve committed certain violations with the law. You may even be required to have an SR-22 if you’ve had a series of small violations within a short span of time. You could need SR22 insurance for the following reasons:

• Conviction for driving under the influence (DUI or DWI)
• Driving without car insurance
• Driving with a revoked or suspended license
• Having repeated traffic violations in a certain amount of time, including speeding tickets
• Numerous at-fault accidents
• A fatal at-fault accident or one that results in injuries
• Reckless or dangerous driving
• Assignment from a court order
• Failure to pay fines from tickets
• Refused consent to breathalyzer or blood alcohol test

If you’re moving to a new state and need to get SR-22 insurance, you’ll need to get SR22 insurance from an insurance company that offers SR22 insurance in your new state. The form will need to be filed with your new state rather than with Delaware.

Delaware SR-22 insurance rates

A DUI is one of the most common reasons drivers need SR22 insurance. If you’ve been convicted of a DUI in Delaware, while you won’t be required to get SR-22 insurance, your car insurance rates may still be affected because you will be considered a high-risk or non-standard driver.

*USAA is only available to active and former military members and their families.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Delaware will differ. Rate data is provided by Quadrant Information Services.

While car insurance policies with a DUI are expensive, if you maintain your car insurance while keeping a clean driving record, your rates may go down over time.

How to get SR22 insurance in Delaware

If you’ve been convicted of a driving violation in Delaware, you may be considered a high-risk or non-standard driver. This may result in your car insurance rates to increase. Most states require an SR-22 form to be filed by certain high risk drivers guilty of violations, requiring the drivers to get SR-22 insurance.

Even though Delaware doesn’t require an SR22 form, drivers with violations typically associated with SR22 insurance may have a harder time finding an insurance company that will sell them a policy. If you’re considered a high-risk driver, it may be a good idea to shop for a new car insurance company in Delaware.

Use the table at the top of this page to find all the car insurance companies that offer high-risk insurance in Delaware with a minimum of 25 car insurance reviews. If you want to see which companies customers say are the best car insurance companies for high-risk insurance in Delaware, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange “Click for quote” button next to the company, call the number available or visit the company’s website.

If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.

SR-22 fees in Delaware

SR-22 insurance is not required in Delaware, therefore there are no fees associated with filing the form. In states that require SR-22, drivers who need SR22 insurance likely have to pay a fee to file the SR22 form in addition to fees to get their license reinstated. Delaware requires an FR-19 in some cases but there is no fee to obtain this form.

If your license has been suspended or revoked in Delaware, you’ll need to pay a fine to have it reinstated. If your license was suspended, the fee to have it reinstated is $50. If your license was revoked, the fee is $200.

If you’re caught driving without car insurance in Delaware, the fee you’ll have to pay is $1,500 if it’s your first offense, or $3,000 if it’s your second. If you’re convicted of a DUI, there are many requirements in Delaware before you can get your license reinstated. A DUI is very costly.