Car Insurance Driving Record
Get a Quote

Minnesota SR-22 Insurance for High-Risk Drivers

Minnesota requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. 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 driving history.

Minnesota cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Minnesota

Minnesota requires minimum liability coverage of 30/60/10: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $10,000 for property damage. Drivers convicted of DUI, driving after suspension, or involved in at-fault accidents without insurance typically must file SR-22 proof of financial responsibility with the Minnesota Department of Public Safety Driver and Vehicle Services. The SR-22 filing requirement generally lasts 3 years from the date of reinstatement, and any lapse in coverage during that period restarts the clock.

How Much Does Car Insurance Cost in Minnesota?

High-risk insurance rates in Minnesota are driven by violation type, age, location, and how long ago the incident occurred. Drivers with a single DUI typically see premiums double or triple compared to clean-record rates, while multiple violations or a suspended license can push rates to $300–$500/mo or higher. Urban areas like Minneapolis and St. Paul generally have higher base rates due to congestion and higher claim frequency, while rural counties may offer slightly lower rates for the same risk profile.

Minimum Liability (30/60/10)
State-minimum liability with SR-22 filing for a driver with one DUI or suspension. Covers legal requirements but offers no protection for your own vehicle.
Standard Liability (100/300/100)
Higher liability limits for drivers who want better protection against lawsuits and to qualify with more carriers. Often required by non-standard insurers as a condition of writing high-risk policies.
Full Coverage
Liability plus comprehensive and collision for financed or leased vehicles. Rates vary significantly based on vehicle value, deductible, and whether the driver has multiple violations or a recent DUI.

What Affects Your Rate

  • Type of violation: DUI, reckless driving, and suspension carry higher surcharges than minor speeding tickets
  • Time since violation: rates typically drop 10–20% each year after the first year with no new incidents
  • Location: Minneapolis and St. Paul metro areas have higher rates than outstate Minnesota due to claim frequency
  • Age and gender: younger drivers under 25 with violations face the highest premiums, often $400–$600/mo for full coverage
  • Credit score: Minnesota allows insurers to use credit-based insurance scores, which can significantly impact rates for high-risk drivers
  • SR-22 filing requirement: the filing itself adds $15–$35, but signals elevated risk and limits carrier options

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 169A (DUI and Implied Consent)
  • National Association of Insurance Commissioners (NAIC) - High-Risk Auto Insurance Data

Get Your Free Quote in Minnesota