Updated April 2026
Minimum Coverage Requirements in Minnesota
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, license suspensions for violations, at-fault accidents while uninsured, or excessive points typically must file SR-22 proof of insurance with the Minnesota Department of Public Safety for 3 years. Failing to maintain continuous coverage during the SR-22 period restarts the clock and can result in immediate license suspension.
How Much Does Car Insurance Cost in Minnesota?
High-risk auto insurance rates in Minnesota vary widely based on violation type, driving history, vehicle, age, and whether you need SR-22 filing. DUI convictions typically result in the steepest premium increases—often 150–250% above standard rates—while license suspensions and at-fault accidents while uninsured also trigger major surcharges. Non-standard carriers dominate the SR-22 market and price more competitively than standard insurers who accept high-risk business, making carrier selection critical to controlling costs.
What Affects Your Rate
- Type of violation: DUI convictions result in the highest surcharges, often 150–250% over standard rates
- Years since violation: Rates typically decrease 10–20% annually with a clean record after the first year
- SR-22 filing requirement: Adds $15–$35 to file and restricts you to non-standard carriers with higher base rates
- Vehicle type: Comprehensive and collision premiums for high-value or high-performance vehicles compound SR-22 surcharges significantly
- Credit history: Minnesota allows credit-based insurance scoring, and poor credit can add 20–40% to already elevated high-risk premiums
- Location: Urban areas like Minneapolis and St. Paul see higher rates due to density, theft, and accident frequency
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Sources
- Minnesota Department of Public Safety - Driver and Vehicle Services
- Minnesota Department of Commerce - Insurance Division
- Minnesota Statutes § 171.04 - Financial Responsibility Requirements