SR22 Coverage Info
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Minnesota SR-22 & High-Risk Auto Insurance

Minnesota requires 30/60/10 liability coverage and is a no-fault state.

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Minnesota at a Glance

30/60/10

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP and Uninsured motorist coverage must be on every policy

$30

State license reinstatement fee

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

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.

Liability Insurance

Minnesota's 30/60/10 minimum is the legal floor, but non-standard carriers often require 50/100/50 or higher for drivers with SR-22 requirements or major violations. Medical costs and vehicle repair expenses in Minneapolis-St. Paul frequently exceed state minimums, leaving drivers personally liable for the difference. Carrying only the minimum can trigger asset exposure if you cause a serious accident during your high-risk period.

SR-22 Insurance

SR-22 is not a separate policy but a certificate filed by your insurer proving you maintain continuous coverage at or above Minnesota's minimum liability limits. You must maintain the SR-22 for the full required period—usually 3 years—without any lapses, or the clock restarts from zero.

Uninsured/Underinsured Motorist Coverage

Minnesota mandates UM/UIM coverage at 30/60 unless you reject it in writing, which protects you if hit by a driver with no insurance or insufficient coverage. High-risk carriers typically include this automatically and may not allow rejection.

Collision Coverage

Collision is not legally required but may be mandated by your lender if you have an auto loan or lease. High-risk drivers often drop collision to lower premiums, but this leaves you paying out-of-pocket for vehicle damage after an at-fault accident. If you're in an SR-22 period and cause another accident, replacing your vehicle without collision coverage can compound financial strain.

Comprehensive Coverage

Comprehensive covers theft, vandalism, weather damage, and animal strikes—risks unrelated to your driving record. Like collision, it's optional unless required by a lienholder, but dropping it entirely can leave you vulnerable in Minnesota winters where deer strikes and hail damage are common. High-risk drivers balancing cost and protection often carry comp with a higher deductible to reduce premium impact.

Cost Overview

$269–$491/mo

Typical monthly rate in Minnesota, drivers with an SR-22 after a DUI

Rate data: ValuePenguin and NerdWallet, 2026

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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If your license is suspended

Limited license (work permit)

A restricted license is available while suspended.

A coverage lapse is reported

The state can act when your insurance lapses.

Source: state DMV, insurance department and statute records, verified July 2026

Frequently Asked Questions

How long do I need SR-22 in Minnesota?

Minnesota typically requires SR-22 filing for 3 years from the date of filing, though the duration can vary based on the specific offense or court order. The 3-year period restarts from zero if your policy lapses or is canceled at any point during the requirement. You cannot reduce the SR-22 period early, but rates generally decrease as the underlying violation ages.

What happens if my SR-22 insurance lapses in Minnesota?

Your insurer must notify the Minnesota DVS immediately if your policy lapses or is canceled, triggering automatic license suspension. The SR-22 requirement restarts from zero once you refile, meaning you'll need to maintain coverage for a full 3 years from the new filing date. Reinstatement also requires paying suspension fees.

Do all insurance companies file SR-22 in Minnesota?

No, most standard carriers do not offer SR-22 filing—you will need a policy from a non-standard insurer that specializes in high-risk drivers. These carriers work directly with the Minnesota DVS to file and maintain your SR-22 certificate electronically. If you switch insurers during your SR-22 period, the new carrier must file an SR-22 immediately to avoid a lapse.

How do I get my license back after SR-22 in Minnesota?

You must maintain continuous SR-22 coverage for the full required period—typically 3 years—without any lapses, pay all reinstatement fees, and complete any court-ordered programs such as DWI education or treatment. Once the SR-22 period ends, your insurer will notify the Minnesota DVS, and you can request removal of the requirement. Your license is automatically reinstated if all conditions are met.

Coverage 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.

Find Your City in Minnesota

Minneapolis

urban

St. Paul

urban

Rochester

suburban

Duluth

urban

Bloomington

suburban

Brooklyn Park

suburban

Plymouth

suburban

Maple Grove

suburban