Updated April 2026
Minimum Coverage Requirements in Minnesota
Minnesota requires minimum liability coverage of 30/60/10: $30,000 bodily injury per person, $60,000 bodily injury per accident, and $10,000 property damage. Drivers with DUI convictions, license suspensions for driving violations, multiple at-fault accidents within a short period, or uninsured motorist accidents typically must file SR-22 proof of financial responsibility with the Minnesota Department of Public Safety Driver and Vehicle Services (DPS-DVS) for 3 years. If you're completing your SR-22 requirement, you'll need written confirmation from your insurer that the filing has been canceled and DPS-DVS notification that your monitoring period has ended before standard carriers will quote you at non-high-risk rates.
How Much Does Car Insurance Cost in Minnesota?
High-risk insurance rates in Minnesota vary significantly by violation type, time since the offense, and carrier. Drivers currently in SR-22 monitoring typically pay $200–$400/mo with non-standard carriers. Once the SR-22 requirement ends and DPS-DVS confirms closure, rates drop in stages: 20–35% in the first 6 months with semi-standard carriers, another 15–25% at the 12–18 month mark as standard carriers begin competing, and near-normal rates at 24–36 months post-filing if no new violations occur. The key transition point is when your SR-22 filing officially ends—you must request written confirmation from your insurer and DPS-DVS before standard carriers will quote post-SR22 rates.
What Affects Your Rate
- Time since SR-22 requirement ended—rates improve every 6 months for the first 2–3 years post-filing
- Original violation type: DUI carries longer rate impact (3–5 years) than suspended license (2–3 years)
- Whether you remained continuously insured during and after SR-22 monitoring—lapses restart the rate recovery clock
- Credit-based insurance score, which Minnesota carriers use heavily for post-SR22 pricing
- Vehicle value and coverage selection—comprehensive and collision pricing varies 40–60% between non-standard and standard carriers
- Geographic rating territory within Minnesota—urban areas like Minneapolis and St. Paul show 15–25% higher rates than rural regions
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Sources
- Minnesota Department of Public Safety Driver and Vehicle Services (DPS-DVS) — SR-22 filing requirements and duration
- Minnesota Statutes Section 171.04 — Financial responsibility and proof of insurance requirements
- Insurance Information Institute — High-risk insurance rate data and uninsured motorist statistics