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Minnesota SR-22 & High-Risk Auto Insurance

Minnesota requires SR-22 filing for DUI convictions, license suspensions, and uninsured violations. The filing requirement typically lasts 3 years and costs $15–$35 to file, but high-risk premiums average $200–$400/mo depending on violation type and carrier availability.

Minnesota cityscape and street view

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 driving after suspension, uninsured accidents, or multiple violations typically face SR-22 filing requirements imposed by the Minnesota Department of Public Safety Driver and Vehicle Services. SR-22 certification proves continuous coverage for a state-mandated period, and any lapse triggers license re-suspension and extends the filing requirement.

How Much Does Car Insurance Cost in Minnesota?

High-risk drivers in Minnesota face premiums 80%–250% higher than standard rates depending on violation type, prior insurance history, and zip code. A DUI conviction typically adds $1,500–$3,000 annually to liability premiums, while multiple at-fault accidents or driving after suspension can push annual costs to $4,000–$6,000. Non-standard carriers dominate the high-risk market in Minnesota, and rate variation between insurers can exceed 100% for identical profiles.

Minimum Liability
State minimum 30/60/10 liability coverage with SR-22 filing. Typically the only option for drivers with recent DUI convictions or multiple violations requiring non-standard carriers.
Standard Liability
Liability limits of 50/100/50 or 100/300/100 with SR-22 filing. Common for drivers with financed vehicles or prior at-fault accidents who need higher coverage to satisfy lender or judgment requirements.
Full Coverage
Liability, collision, and comprehensive coverage with SR-22 filing. Required by lenders for financed or leased vehicles. Rates vary significantly based on vehicle value, deductible selection, and whether the driver has recent comprehensive or collision claims.

What Affects Your Rate

  • Violation type: DUI convictions typically increase premiums 120%–200%, while at-fault accidents add 40%–80%
  • SR-22 duration remaining: premiums typically decrease 10%–20% after the first year of continuous SR-22 coverage without new violations
  • Carrier type: non-standard insurers may charge 50%–150% more than standard carriers for identical coverage
  • Zip code: Minneapolis and St. Paul drivers pay 20%–40% more than rural Minnesota due to claim frequency and uninsured motorist rates
  • Prior insurance lapse: a coverage gap before SR-22 filing adds 15%–30% to premiums for the first policy term
  • Age and gender: male drivers under 25 with SR-22 requirements may face premiums exceeding $500/mo for minimum coverage

Compare Auto Insurance Rates in Minnesota

Find Your City in Minnesota

Minneapolis, Minnesota cityscape and street view

Minneapolis

urban
St. Paul, Minnesota cityscape and street view

St. Paul

urban
Rochester, Minnesota cityscape and street view

Rochester

suburban
Duluth, Minnesota cityscape and street view

Duluth

urban
Row of white and beige townhouses with autumn trees on hillside in background

Bloomington

suburban
Aerial view of city skyline with downtown skyscrapers, river, and mixed residential buildings surrounded by trees

Brooklyn Park

suburban
Japanese garden with wooden bridge over pond, surrounded by rocks, plants and pergola structure

Plymouth

suburban
Red stop sign on residential street with white townhouses and green hills in background

Maple Grove

suburban

Sources

  • Minnesota Department of Public Safety Driver and Vehicle Services
  • Minnesota Statutes Section 171.04 (financial responsibility requirements)
  • National Association of Insurance Commissioners (NAIC) high-risk insurance data

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