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Minnesota SR-22 Insurance After a DUI or Violation

Minnesota requires 30/60/10 liability coverage and is a no-fault state.

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Minnesota at a Glance

30/60/10

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP and Uninsured motorist coverage must be on every policy

No

A defensive driving course does not remove points here

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Minnesota

Drivers convicted of DUI, license suspension for repeat violations, or at-fault uninsured accidents typically face SR-22 filing requirements administered by the Minnesota Department of Public Safety Driver and Vehicle Services (DPS-DVS). SR-22 is not insurance itself but proof of continuous coverage filed electronically by your carrier to DPS-DVS. High-risk drivers often need coverage above state minimums to meet SR-22 obligations and avoid liability exposure after a violation.

Liability Insurance

Covers injury and property damage you cause to others. Minnesota's 30/60/10 minimums are among the lowest in the region and leave significant gap risk for high-risk drivers facing SR-22 requirements. DPS-DVS monitors your filing continuously, and most non-standard carriers writing SR-22 policies in Minnesota recommend 100/300/100 to reduce personal exposure and avoid policy cancellation triggers.

SR-22 Insurance

SR-22 is a certificate of financial responsibility filed by your insurer to DPS-DVS proving you carry at least Minnesota's minimum liability limits. Not all carriers offer SR-22 filing in Minnesota; non-standard insurers dominate this market. Your SR-22 filing must remain active for the full required period, typically 3 years from the date DPS-DVS orders the filing, and any lapse restarts the clock.

Uninsured/Underinsured Motorist Coverage

Minnesota law requires carriers to offer UM/UIM coverage equal to your liability limits, though you can reject it in writing.

Full Coverage

Combines liability, comprehensive, and collision coverage. Required by lenders if you finance or lease a vehicle, and recommended for high-risk drivers with SR-22 filings who cannot afford to replace a vehicle out-of-pocket. DPS-DVS only requires liability for SR-22 compliance, but if your lender requires full coverage and you drop it to save money, the lender can force-place insurance at significantly higher cost and notify DPS-DVS of the lapse.

Non-Standard Auto Insurance

Policies designed for drivers with DUIs, suspensions, lapses, or major violations who cannot obtain coverage from standard carriers. These policies may include restrictive terms such as higher down payments, shorter grace periods for late payments, and automatic cancellation clauses that trigger immediate SR-22 lapse notifications to DPS-DVS.

What Drivers Pay in Minnesota

$274–$296/mo

Typical monthly rate in Minnesota, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Time since violation: Rates begin to decline after 3 years for most violations; DUI surcharges may persist for 5–7 years depending on carrier
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Coverage Types

Liability Insurance

Covers injury and property damage you cause to others. Required for SR-22 filing and to drive legally in Minnesota.

SR-22 Insurance

Certificate filed by your carrier to DPS-DVS proving you maintain continuous liability coverage. Required for DUI, suspensions, and uninsured accidents.

Full Coverage

Liability plus comprehensive and collision. Protects your vehicle from damage, theft, and total loss while meeting lender requirements.

Non-Standard Auto Insurance

Policies for drivers with DUI, suspensions, lapses, or major violations. Higher premiums but accessible when standard carriers decline coverage.

Uninsured/Underinsured Motorist Coverage

Covers your medical bills and vehicle damage if an uninsured or underinsured driver hits you. Not required but must be offered in Minnesota.

Collision Coverage

Pays for damage to your vehicle from an accident, regardless of fault. Required by lenders and recommended for vehicles worth over $5,000.

Find Your City in Minnesota

Minneapolis

urban

St. Paul

urban

Rochester

suburban

Duluth

urban

Bloomington

suburban

Brooklyn Park

suburban

Plymouth

suburban

Maple Grove

suburban