Minnesota Post-Reinstatement Auto Insurance

Covers damage you cause to others in an accident. Minnesota's 30/60/10 minimum is relatively low compared to neighboring states. Reinstated drivers should consider 100/300/100 limits to protect assets during the high-risk surcharge period.

Pays your medical bills and lost wages regardless of fault in Minnesota's no-fault system. PIP is mandatory and cannot be rejected. Reinstated drivers pay elevated PIP premiums due to recent violation history, but the coverage protects you from out-of-pocket medical costs during the filing period.

Covers your injuries when hit by an uninsured driver. Minnesota requires carriers to offer this at your liability limits, but you can reject it by signing a written waiver at policy inception. Verbal rejection does not count and coverage is added automatically if the form is not completed. Reinstated drivers often skip this to lower premiums, but Minnesota has higher-than-average uninsured driver rates in urban counties.

An SR-22 is a certificate filed by your insurer with the Minnesota Department of Public Safety proving continuous coverage. Your policy must remain active throughout the filing period. If you cancel or miss a payment, the carrier notifies the state immediately and your license is re-suspended. Non-owner SR-22 policies are available if you no longer own a vehicle.

Non-standard carriers specialize in recently-suspended drivers and high-risk profiles. Most standard carriers (State Farm, Allstate, Progressive standard tier) decline reinstatement-period drivers outright or non-renew at the first policy cycle. Non-standard carriers charge higher premiums but will write the policy and file the SR-22. Expect to remain in the non-standard market for 3-5 years until violations age off your record.