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.
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 rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. Required by law and the foundation of any SR-22 policy in Minnesota.
SR-22 Filing
Certificate filed by your insurer with the state confirming you carry required coverage. Not a separate policy, but a condition of license reinstatement.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage. Optional in Minnesota but must be offered by all carriers.
Full Coverage (Comprehensive + Collision)
Adds protection for your own vehicle beyond liability. Required by lenders and lessors, optional for drivers who own their vehicle outright.
Non-Standard Auto Insurance
Policies written by carriers specializing in high-risk drivers who cannot qualify for standard market coverage.
Collision Coverage
Pays for damage to your vehicle after an accident, regardless of fault. Required by lenders, optional otherwise.
