Although SR-22 insurance isn't a requirement in the state of Delaware, all drivers are mandated to own insurance. Hence, if you are not a car owner but drive, you will be required by Delaware DMV to present proof of insurance whenever you want to apply for or renew your license.
Drivers who don't own a vehicle have the luxury of getting cheap insurance. This policy is known as non-owner SR-22 only provides liability coverage since the policy is not exclusive to a specific vehicle. If you often drive a friend or family member's car, ensure that the owner owns both collision and comprehensive insurance coverage since your non-owners policy does not offer that.
SR-22 insurance is compulsory in most United States, except for Delaware, Pennsylvania, Minnesota, Oklahoma, Kentucky, North Carolina, New Mexico, and New York. If you relocate from a state that requires SR-22 to any of the states mentioned above, you will still be required to maintain the requirements stipulated by that state where you filed for the SR-22 policy.
Delaware Ignition Interlock Law
As a first-time offender with a DUI violation, there is a possibility of being allowed an Ignition Interlock exception. During your court appointment, you can register for "First Offender Program." This will allow you to obtain an IID license that compels you only to interlock driving for 150 days.
After this period has elapsed, you can now apply for complete restoration of your driver's license.
If you have a repeated history of DUI infractions or refused to take a breathalyzer test, you may still apply for the Ignition Interlock Device license. However, you must serve part of your probation period. The ratio says:
- Serve 12 months of 24 months.
- Serve 6 months of 18 months.
- Serve 2 months of 12 months.
Applying for an IID license means you accept an extension of your probation period by two months. However, you can drive in Delaware for the entire period, provided it is an interlock-equipped car.
The installation of IID costs $70, with a monthly rental fee of $75.
Similar to other states, Delaware maintains that drivers must own a minimum level of liability insurance. This is regardless of whether you own a vehicle or not. The pertinent thing to do is inquire about the best type of coverage from your auto insurance company. Comparing PLPD insurance quotes may be a good start for example.
While we cannot make your choice for you, we recommend you request quotes from multiple insurers before making your decision.
The minimum coverage as directed by the state:
- Property Damage: $10,000
- Physical injury per accident: $30,000
- Physical injury per individual: $15,000
The amount set by the state is not exactly the recommended level of coverage but the minimum coverage acceptable in Delaware. It is sensible to have higher liability coverage, but we recommend asking your auto insurer for advice.
Non-owner car insurance is significantly cheaper than the average auto insurance in Delaware. This is because it only offers liability coverage for the vehicle. When you buy a car, you can easily switch policies to accommodate full coverage for the car.
It is important to note that your auto insurance rate may be based on different factors, including location, driving record, credit, and other factors. Ensure you ask your insurance provider for available discounts such as multi-policy discounts that are often offered to homeowners.
Start shopping for your preferred policy today.
Usually, Delaware SR-22 insurance is requested from drivers who have a terrible driving record. Although another area has mandated you to own one, you must carry it with you while visiting Delaware.
If you have a revoked license because you failed to carry the relevant insurance documents with you in a different state, your driving privileges can also be suspended in Delaware.
The short answer is NO. Although you are under probation from another state where you have been mandated to own one, it is obligatory to carry it in Delaware. Your license will be suspended in the original state if you fail to maintain SR-22 insurance for the stipulated period.
Since SR-22 insurance is not compulsory in the state, you have to file for the form from the state where the driver's license was revoked. Ensure you have it with you wherever you go in case you get stopped by law enforcement officers. Since each state has its unique laws, consult with your local Delaware DMV for more information on SR-22 requirements.
Various factors can contribute to an inflated car insurance rate, namely:
- DUI infraction
- Poor credit score
- Charged with a speeding ticket
- Low insurance coverage
- Causing an accident
- 12k mile trip
You can get your Delaware driver's license recovered after a DUI violation by doing any of the following:
- Applying for a second license examination
- Graduating from an alcohol education program
- Pass a character background review
- Making a reinstatement fee payment