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Delaware SR-22 Insurance After DUI or Suspension

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

Minimum Coverage Requirements in Delaware

Drivers convicted of DUI, driving uninsured, or accumulating repeat violations typically receive an SR-22 filing requirement from the Delaware Division of Motor Vehicles. The SR-22 proves continuous insurance coverage and remains active for 3 years in most cases. Any lapse during this period resets the clock and may trigger license suspension.

Liability Insurance

Delaware's 25/50/10 minimum is the floor for SR-22 filing, but it provides limited protection for high-risk drivers who face elevated accident risk. Many non-standard carriers recommend 50/100/25 or higher to reduce personal exposure, especially if you own property or have assets at risk.

SR-22 Insurance

SR-22 is not a separate insurance policy—it's a certificate your insurer files with the Delaware DMV proving you carry at least minimum liability coverage. Not all carriers offer SR-22 filing; if your current insurer doesn't, you'll need to switch to a non-standard or high-risk carrier that does.

Full Coverage

Full coverage combines liability, comprehensive, and collision to protect both your legal obligation and your vehicle's value. For high-risk drivers with financed or leased vehicles, lenders typically require full coverage regardless of SR-22 status.

Uninsured/Underinsured Motorist Coverage

Delaware does not mandate uninsured/underinsured motorist (UM/UIM) coverage, but high-risk drivers should consider it. If you're hit by a driver with no insurance or insufficient limits, UM/UIM covers your medical bills and lost wages.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles: DUI convictions, SR-22 filings, lapses, and suspensions. These insurers accept drivers that standard carriers decline and typically offer month-to-month policies with higher down payments.

What Drivers Pay in Delaware

$387–$408/mo

Typical monthly rate in Delaware, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Type of violation: DUI convictions increase premiums more than lapses or minor suspensions
  • Time since violation: Rates drop incrementally each year you maintain clean driving and continuous coverage
  • Point accumulation: Delaware's point system penalizes repeat offenses; 14+ points in 24 months triggers additional scrutiny
  • Carrier specialization: Non-standard insurers familiar with high-risk profiles may offer more competitive rates than standard carriers charging surcharges
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See Who Will Insure You After a Ticket

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Coverage Types

SR-22 Insurance

Certificate filed by your insurer to prove you carry at least Delaware's minimum liability coverage. Required for 3 years after DUI, uninsured accidents, or license suspension.

Non-Standard Auto Insurance

High-risk policies designed for drivers with DUI convictions, SR-22 filings, suspensions, or lapses. These carriers accept profiles that standard insurers decline.

Full Coverage

Combines liability, comprehensive, and collision to cover both your legal responsibility and vehicle repair or replacement costs.

Liability Insurance

Covers injuries and property damage you cause to others. Delaware's 25/50/10 minimum is the floor for SR-22 filing but may not be sufficient for serious accidents.

Uninsured Motorist Coverage

Protects you if you're hit by a driver with no insurance or insufficient coverage. Covers medical bills, lost wages, and vehicle damage in some policies.

Collision Coverage

Pays to repair or replace your vehicle after a collision, regardless of fault. Required by lenders and essential if your car's value exceeds your emergency savings.

Find Your City in Delaware

Wilmington

urban

Dover

suburban

Newark

suburban

Middletown

suburban

Smyrna

suburban