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Minnesota Post-Reinstatement Auto Insurance

Minnesota requires 30/60/10 liability minimums and SR-22 filing for 1-5 years depending on suspension cause. Reinstated drivers typically pay $150-$240/month through non-standard carriers. Most standard carriers decline recently-suspended drivers.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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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.

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30/60/10 ($30,000 per person, $60,000 per accident bodily injury, $10,000 property damage)
Liability Insurance
Covers damage you cause to others in an accident. Minnesota's 30/60/10 minimum is relatively low compared to neighboring states. A single severe injury claim can exceed $30,000 within hours of hospital admission, leaving you personally liable for the remainder. Reinstated drivers should consider 100/300/100 limits to protect assets during the high-risk surcharge period.
$40,000 medical, $20,000 economic loss
Personal Injury Protection (PIP)
Pays your medical bills and lost wages regardless of fault in Minnesota's no-fault system. The $40,000 medical minimum covers less than a week in intensive care. 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.
Must be offered at liability limits; can be rejected in writing
Uninsured Motorist Coverage
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.
Required for 1-5 years based on suspension cause
SR-22 Filing
An SR-22 is a certificate filed by your insurer with the Minnesota Department of Public Safety proving continuous coverage. The filing fee is $25-$50, but the real cost is the premium increase. 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.
Not required, but typically necessary market segment
Non-Standard Auto Insurance
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.
State-Mandated Minimum Coverage · Minnesota

Minnesota Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$60,000
Property Damage$10,000

License Reinstatement Fee$30

Meeting the state minimum keeps you legal. See whether it's enough — get your Minnesota quote.

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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.
Minimum Coverage
$150-$200/mo
State minimums (30/60/10 liability, $40,000 PIP) with SR-22 filing through a non-standard carrier. Covers legal requirements but leaves you exposed to significant personal liability in a serious accident.
Standard Coverage
$200-$280/mo
Increased liability limits (100/300/100), uninsured motorist coverage, and SR-22 filing. Provides meaningful protection during the high-risk period without full collision or comprehensive.
Full Coverage
$280-$400/mo
Collision, comprehensive, 100/300/100 liability, uninsured motorist, and SR-22 filing. Required if you have a loan or lease. Premium depends heavily on vehicle value and deductible selection.

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Coverage Types

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

Minneapolis, Minnesota cityscape and street view

Minneapolis

urban
St. Paul, Minnesota cityscape and street view

St. Paul

urban
Rochester, Minnesota cityscape and street view

Rochester

suburban
Duluth, Minnesota cityscape and street view

Duluth

urban
Row of white and beige townhouses with autumn trees on hillside in background

Bloomington

suburban
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Brooklyn Park

suburban
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Plymouth

suburban
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Maple Grove

suburban

Frequently Asked Questions

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