Understanding SR-22 Insurance in Delaware: A Comprehensive Guide

In Delaware, you do not need your insurer to file an SR-22 form—or proof of insurance—for you to get your license reinstated after being convicted of a major driving violation. However, you will still be required to meet the state’s minimum liability insurance requirements.

1. What is an SR-22 in Delaware?

• An SR-22 form is required to reinstate your driver’s license after it has been suspended for a major traffic violation.

• Filed by your insurer, the SR-22 offers a “proof of insurance” to the state, attesting that you carry the state’s minimum liability requirements.

2. Delaware’s Minimum Liability Coverage

The state’s mandated minimum insurance requirements are as follows:

• Bodily Injury Liability:

  • $25,000 per individual hurt or killed during an accident

  • $50,000 for more than one individual in an accident

• Property Damage Liability:

  • $10,000 for any damage caused to vehicles during an accident

3. Who Needs SR-22 Insurance in Delaware?

Although SR-22 insurance is not required in Delaware, the state still requires you to hold insurance when you are driving. If you get into a car accident or are caught driving without 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 offense.

4. How to Get SR-22 Insurance in Delaware

If you need an SR-22 form because you are moving from Delaware to another state, then you will not be able to find it on the state’s DMV website. Instead, you will need to get SR-22 insurance quotes from companies in the state. In general, you should not be required to get this form of insurance proof before you move to the state. However, check the DMV page for the state you are moving to, as the 50 states share drivers’ information with each other, and you will want to make sure you are following the regulations of the state you are moving to.

5. Penalties for Not Filing an SR-22 Form in Delaware

Delaware does not have penalties for not having SR-22 coverage, as it is not a requirement of the state. However, you must have auto insurance on your vehicle, and there are consequences for not having at least the state minimum coverage.

Remember, responsible driving and compliance with state regulations are essential for a smooth journey on Delaware’s roads.

Sources:

1. Delaware SR-22 Insurance (Quotes and Rankings) | Clearsurance

2. Delaware SR22 Insurance | SR22 Insurance

3. SR-22 in Delaware: What You Need to Know | GetJerry.com <br> (Note: Although SR-22 insurance is not required in Delaware, the state still requires you to hold insurance when you are driving. The minimum coverage you can have is the following: $25,000 for every individual hurt or killed during the accident, $50,000 for every accident, and $10,000 for any damage caused to vehicles during the accident.)