Delaware SR-22 & High-Risk Auto Insurance
Delaware requires 25/50/10 liability coverage and is an at-fault state.
Compare Rates After a ViolationDelaware 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 with DUI convictions, uninsured accidents, repeat violations, or license suspensions must file SR-22 proof of financial responsibility with the Delaware Division of Motor Vehicles. The SR-22 requirement typically lasts 3 years from the date of conviction or reinstatement. Letting coverage lapse during the SR-22 period triggers immediate license suspension and restarts the filing clock.
Liability Insurance
SR-22 Insurance
Full Coverage
Non-Standard Auto Insurance
Uninsured Motorist Coverage
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
- Non-standard carrier availability: Delaware has limited high-risk insurers, reducing competition and keeping rates elevated compared to states with broader non-standard markets
Shop Again Before Your Next Renewal Hits
Compare Rates After a ViolationCoverage Types
SR-22 Insurance
Proof of financial responsibility filed by your insurer with the Delaware DMV. Required after DUI, uninsured accidents, or major suspensions for 3 years.
Non-Standard Auto Insurance
Specialized coverage for drivers rejected by standard insurers due to DUI, violations, or lapses. Higher premiums but essential for license reinstatement.
Liability Insurance
Covers injury and property damage you cause to others. Delaware's 25/50/10 minimums are the legal floor but may be insufficient after a major at-fault accident.
Full Coverage
Combines liability, collision, and comprehensive. Required by lenders if you finance or lease a vehicle, even during SR-22 periods.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Optional in Delaware but recommended for high-risk drivers who cannot afford out-of-pocket accident costs.
Collision Coverage
Pays to repair your vehicle after an at-fault accident, regardless of who is responsible. Required by lenders and recommended if your car is worth more than $3,000.