State Requirements
Minnesota requires minimum liability coverage of 30/60/10: $30,000 bodily injury per person, $60,000 per accident, and $10,000 property damage. Drivers with DUI convictions, multiple violations, at-fault accidents while uninsured, or license suspensions typically face SR-22 filing requirements on top of these minimums. The state also mandates uninsured/underinsured motorist coverage at the same 30/60 limits unless declined in writing. High-risk drivers should expect non-standard carriers to require higher limits than state minimums as a condition of coverage.
Cost Overview
High-risk auto insurance in Minnesota costs significantly more than standard coverage due to violation surcharges, SR-22 filing requirements, and placement with non-standard carriers. DUI convictions typically increase premiums by 100–200%, while multiple violations or at-fault accidents add 40–120% depending on severity and frequency. Rates vary widely based on the specific offense, time since the violation, age, location, and which non-standard carriers are willing to write coverage in your area.
What Affects Your Rate
- Violation type: DUI convictions carry heavier surcharges than speeding tickets or at-fault accidents
- Time since offense: rates decrease as violations age, with notable drops at 3- and 5-year marks
- SR-22 requirement: adds filing fees and limits carrier options to non-standard market
- Location: Minneapolis and St. Paul see higher rates due to theft, vandalism, and accident frequency
- Age and gender: young male drivers with violations face the steepest surcharges
- Stacked violations: multiple offenses within 3 years compound surcharges exponentially
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Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. Minnesota's 30/60/10 minimum is legally sufficient but financially insufficient for serious accidents—medical bills and vehicle totals in multi-car crashes regularly exceed $100,000 in the Twin Cities metro.
SR-22 Insurance
A certificate proving continuous liability coverage filed by your insurer with the Minnesota DVS. Required for DUI, suspensions, and uninsured accidents, the SR-22 itself costs $15–$35 but the underlying violation raises your premium substantially.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance or limits too low to cover your injuries. Minnesota mandates UM/UIM at 30/60 unless you reject it in writing, and approximately 12% of state drivers are uninsured.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes unrelated to your driving record. Optional unless required by a lienholder, comp protects against Minnesota's harsh winters, frequent deer strikes, and metro-area vehicle theft.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident regardless of who caused the crash. Not legally required but mandated by lenders, and dropping it during a high-risk period can leave you paying thousands out-of-pocket if you total your car.
Non-Standard Auto Insurance
Coverage written by carriers specializing in high-risk drivers with violations, SR-22 requirements, lapses, or refusals from standard insurers. Non-standard carriers accept DUIs, suspensions, and multiple violations but charge significantly higher premiums.
