SR-22 in Delaware: What You Need to Know

An SR-22 form is not required in Delaware to reinstate your driver’s license after a serious driving violation, but you must prove you have liability insurance.
Written by Jason Tushinski
Reviewed by Kathleen Flear
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.
If your driver’s license was suspended or revoked after a major driving violation, your
car insurance
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Here's everything you need to know about SR-22 forms, including how they can affect the
cost of car insurance in Delaware:
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Delaware doesn’t require SR-22 coverage?

Indeed, Delaware is one of a small number of states that do not require an
certificate to reinstate your driver’s license after it’s been suspended due to a serious traffic violation. You’ll still need to provide proof to the DMV that you meet
Delaware's minimum liability insurance requirements
All Delaware drivers are required to carry liability insurance. The state’s mandated minimum insurance requirements are as follows:
Something to keep in mind for Delaware drivers—the state may require drivers with a major driving conviction on their record to file an FR-19 form, which acts as proof of insurance at the time it is filed by your insurer. The FR-19 does not remain in place for three years, as is typical for SR-22 forms.
Key Takeaway Delaware drivers convicted of a major traffic offense may need their insurer to file an FR-19 form on their behalf, attesting that they are carrying insurance at the time the filing takes place.

Who needs SR-22 in Delaware?

Drivers do not need an SR-22 form filed by their insurer in Delaware if their license is
revoked or suspended
. Drivers in Delaware may have their licenses suspended for the following:
  • DUI or DWI
  • Driving without insurance
  • Reckless driving
  • Failure to pay multiple traffic tickets
  • A series of minor traffic violations within a short time frame
  • Numerous at-fault accidents
  • Fatal at-fault accident or one with serious injuries
  • Refusing a blood alcohol test
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Moving to a state requiring an SR-22

If you’ve been convicted of a major driving offense in Delaware, but subsequently had your license reinstated, you may need an insurer to file an SR-22 form for you if you move to a state that requires it.
In such a scenario, you’ll need to find an insurer in your new state that will file an SR-22 certificate for you, as your insurer in Delaware won’t do this.
Key Takeaway If you’ve been convicted of a serious driving violation in Delaware and you’re moving to a new state, make sure you find an insurer in your new state willing to file an SR-22 form on your behalf.

How a license suspension impacts your insurance in Delaware

If your license is suspended in Delaware, your insurance premiums will likely rise significantly when buying coverage upon reinstatement compared to what a driver with
a clean record
pays for standard auto insurance.
Your premiums will remain high for a while, but practicing safe driving habits and maintaining a spotless driving record will help to dramatically decrease your insurance rate over time.
Even though you’ll be faced with higher premiums upon reinstatement, it's always a good idea to shop around for insurance to find the best rate you can.
Key Takeaway After your license is reinstated following a serious driving violation, be prepared to pay more expensive rates than you would with a clean driving record.

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