Updated May 2026
Minimum Coverage Requirements in Minnesota
Minnesota is a no-fault state, requiring personal injury protection (PIP) alongside liability coverage. All drivers must carry proof of insurance and file it with the Minnesota Department of Public Safety before reinstatement. SR-22 filing duration varies by suspension cause: DUI requires 3-5 years, points-related suspensions typically 1-2 years, and uninsured driving violations 1-3 years.
How Much Does Car Insurance Cost in Minnesota?
Reinstated drivers in Minnesota pay 60-150% more than standard-market rates due to recent suspension history. Non-standard carriers price based on suspension cause, time since reinstatement, and whether you need SR-22 filing. Urban counties (Hennepin, Ramsey) have higher base rates due to theft and accident frequency.
What Affects Your Rate
- DUI suspensions result in the highest surcharges, typically adding $1,200-$2,400 annually for 3-5 years in Minnesota.
- Points-related suspensions (speeding, reckless driving) increase premiums by 40-80% for 2-3 years after reinstatement.
- Minneapolis and St. Paul drivers pay $30-$60 more per month than outstate Minnesota due to higher theft and accident claim frequency.
- SR-22 filing itself costs $25-$50, but signals high-risk status and triggers non-standard market pricing for the entire policy.
- Non-owner SR-22 policies cost $40-$80/month for liability-only coverage if you no longer own a vehicle but need filing to maintain reinstatement.
- Credit score impacts pricing significantly in Minnesota, and suspended drivers often have degraded credit during the suspension period, compounding the rate increase.
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Post-Reinstatement SR-22 Insurance
SR-22 is a certificate your insurer files with the Minnesota Department of Public Safety proving continuous coverage. Required for 1-5 years depending on suspension cause. If you cancel or lapse, your license is re-suspended immediately.
Non-Owner SR-22
Liability-only policy for drivers who no longer own a vehicle but need SR-22 filing to maintain license reinstatement. Covers you when driving borrowed or rental vehicles.
Non-Standard Auto Insurance
Carriers specializing in recently-suspended drivers and high-risk profiles. Most standard-market carriers decline reinstatement-period drivers outright.
Full Coverage After Reinstatement
Combination of liability, collision, comprehensive, and optional coverages. Required if you have a vehicle loan or lease. Premium depends on vehicle value and deductible selection.
High-Risk Auto Insurance
Broader category covering drivers with multiple violations, DUI history, or suspended license records. Overlaps with non-standard market but includes specialty carriers for severe violation histories.
Find Your City in Minnesota
Sources
- Minnesota Department of Public Safety — SR-22 filing requirements and reinstatement procedures
- Minnesota Department of Commerce — auto insurance minimum coverage regulations
- National Association of Insurance Commissioners — Auto Insurance Database Report