Updated March 2026
State Requirements
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. 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.
Cost Overview
High-risk auto insurance in Minnesota costs significantly more than standard coverage due to violation surcharges, SR-22 filing requirements, and limited carrier competition. Drivers with DUI convictions pay an average of $3,600–$4,800 annually, while those with multiple at-fault accidents or suspended licenses pay $2,400–$3,600. Rates decrease over time as violations age off your record, typically dropping 20–30% after 3 years and returning to near-standard rates after 5–7 years of clean driving.
What Affects Your Rate
- Violation type: DUI convictions add $1,200–$2,400 annually; at-fault accidents add $800–$1,500; multiple speeding tickets add $600–$1,200
- SR-22 duration remaining: rates drop 10–15% once SR-22 requirement ends after 3 years
- Coverage gaps: lapses in the past 6 months increase premiums by 20–40% and limit carrier options
- Location: Minneapolis and St. Paul drivers pay 15–25% more than rural Minnesota due to higher accident and theft rates
- Age and experience: drivers under 25 with violations pay 30–50% more than those over 30 with similar records
- Vehicle type: financed newer vehicles require collision/comprehensive, adding $1,000–$2,000 annually for high-risk drivers
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Get Your Free QuoteCoverage 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.
