Delaware SR-22 rules and car insurance quotes
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No car? Many drivers file their SR-22 with a non-owner policy. Ask the agent about a non-owner SR-22. Non-owner car insurance →Yes, RealAgentQuotes covers ALL of Delaware
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SR-22 rules in Delaware
An SR-22 isn't a type of insurance. It's a certificate an insurance company files with a state to prove you carry at least the state minimum coverage. Delaware doesn't use it: a 1979 state law ended SR-22 filings. Delaware still requires insurance on every registered car. A conviction for driving without insurance brings a fine and a 6-month license suspension, and your license stays suspended until you show the Delaware Division of Motor Vehicles (DMV) proof of insurance. If another state told you to file an SR-22, ask that state's DMV what it needs.
- Delaware doesn't use SR-22 filings, so in most cases there's nothing for your insurer to file here
- Keep your car insured the whole time. An uninsured car means extra DMV fees, and the DMV can suspend the registration
- A licensed agent can quote your policy today and explain your options
Delaware minimum car insurance
Delaware requires at least $25,000 for injuries per person, $50,000 per accident and $10,000 for property damage, often written as 25/50/10. Every policy also has to include personal injury protection (PIP) of at least $15,000 per person and $30,000 per accident. Your policy has to meet at least these limits.
No car? Non-owner insurance in Delaware
If you don't own a car, Delaware law recognizes an operator's (non-owner) policy, which covers your liability when you drive a car you don't own. Ask the agent whether it fits your situation.
Learn about non-owner car insurance →SR-22 rules and car insurance across Delaware
We help drivers anywhere in Delaware. These cities and towns have their own page with local details, but you don't need one: call or start a quote from wherever you live.
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Delaware SR-22 questions
Do I need an SR-22 in Delaware?
Usually not. A 1979 Delaware law ended SR-22 filings. The main exception is an unpaid court judgment from a crash: your license stays suspended until the judgment is paid or on a court payment plan and you give the DMV proof of insurance. A DUI can still come with other steps, like an ignition interlock and an alcohol program. If you aren't sure, ask the Delaware DMV or a licensed agent.
How long do I need an SR-22 in Delaware?
In most cases you don't need one for Delaware. After a conviction for driving without insurance, you show the DMV proof of insurance to get your license back. If another state told you to file an SR-22, ask that state's DMV how long it needs one.
What happens if my insurance lapses in Delaware?
An uninsured car owes the DMV a fee of $100 for the first 30 days and $5 a day after that, and the DMV can suspend the registration. Driving without insurance can bring a fine of at least $1,500 and a 6-month license suspension. Line up a new policy before you switch companies.
Can I get car insurance in Delaware without a car?
Yes. Delaware law recognizes an operator's (non-owner) policy for drivers who don't own a vehicle. A licensed agent can quote one.
Sources: Delaware law ending SR-22 filings (Senate Bill 129, 1979) · Delaware Code title 21, section 2902: minimum limits · Delaware Code title 21, section 2118: required insurance, PIP and penalties
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