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
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving continuous liability coverage to the Minnesota Department of Public Safety. Required for 3 years after DUI, suspension, or certain violations.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers with DUIs, suspensions, lapses, or SR-22 requirements. Higher premiums but accessible underwriting.
Liability Insurance
Covers injury and property damage you cause to others. Minnesota requires 30/60/10, but higher limits reduce lawsuit risk after at-fault accidents.
Full Coverage
Bundles liability, comprehensive, and collision to protect both your liability and your vehicle. Required by lenders if you finance or lease.
Uninsured Motorist Coverage
Pays your medical bills and lost wages if hit by an uninsured or underinsured driver. Minnesota requires insurers to offer 25/50 minimums.
Reinstatement Assistance
Many non-standard carriers offer payment plan flexibility and SR-22 filing assistance to help drivers navigate Minnesota's reinstatement process after suspension.
