Minnesota SR-22 & High-Risk Auto Insurance
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
$30
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
The state also mandates uninsured/underinsured motorist coverage at the same 30/60 limits unless you waive it in writing. Drivers with DUI convictions, multiple violations, license suspensions, or at-fault accidents while uninsured must file SR-22 proof of insurance with the Minnesota Department of Public Safety for 3 years. These minimums may not be sufficient for high-risk drivers facing elevated liability exposure or those required to carry SR-22.
Liability Insurance
SR-22 Insurance
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$19–$29/mo
Typical monthly rate in Minnesota, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf your license is suspended
Limited license (work permit)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Which insurance companies offer SR-22 in Minnesota?
Non-standard carriers that file SR-22 in Minnesota include national high-risk insurers and regional specialists, though specific company availability varies by county and violation type. Working with a broker who specializes in high-risk coverage provides access to multiple SR-22 carriers and better rate comparison. Standard carriers rarely write new policies for drivers needing SR-22.
Do I need SR-22 for a suspended license in Minnesota?
Yes, most license suspensions in Minnesota require SR-22 filing for reinstatement. This includes suspensions for DUI, multiple violations, driving without insurance, or at-fault accidents while uninsured. You must maintain SR-22 for 3 years following reinstatement, and any lapse re-suspends your license and restarts the clock.
Coverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your carrier proving continuous coverage. Required for 3 years in Minnesota following DUI, suspension, or uninsured accident.
Liability Insurance
Covers injury and property damage you cause to others. Minnesota minimums are 30/60/10, but high-risk drivers should consider 50/100/50 or higher to protect against lawsuit exposure.
Uninsured Motorist Coverage
Protects you if you're hit by a driver without insurance or with insufficient coverage. Minnesota requires 30/60 UM/UIM unless you waive it in writing.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, violations, suspensions, or SR-22 requirements. Non-standard carriers specialize in high-risk profiles and offer coverage when standard insurers decline.
Collision Coverage
Covers damage to your vehicle from accidents regardless of fault. Optional unless required by lender, but expensive for high-risk drivers with older vehicles.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Valuable in Minnesota due to harsh winters, hail, and high deer collision rates.