Minnesota SR-22 Insurance After DUI & Violations
Minnesota requires 30/60/10 liability coverage and is a no-fault state.
Find Affordable Coverage After SR-22Minnesota at a Glance
30/60/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
$30
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Minnesota
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.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
What Drivers Pay in Minnesota
$223–$491/mo
Typical monthly rate in Minnesota, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
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
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If your license is suspended
Limited license (work permit)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with DPS-DVS proving you maintain continuous coverage. Required for DUI, suspended license, or uninsured accident violations in Minnesota.
Liability Insurance
Covers injury and property damage you cause to others. Minnesota requires 30/60/10, but post-SR22 drivers benefit from higher limits as standard carriers price 100/300 competitively once filing ends.
Full Coverage
Liability plus comprehensive and collision coverage for your own vehicle. Essential if you finance or lease, and valuable for protecting vehicle equity during your rate recovery period.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance or insufficient coverage. Minnesota requires insurers to offer UM/UIM, though you can reject it in writing.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, weather, animal strikes. Minnesota's winter severity and high deer-collision zones make comprehensive particularly valuable.
Non-Standard Auto Insurance
Coverage designed for high-risk drivers during SR-22 monitoring. Non-standard carriers accept DUI, suspended license, and uninsured accident violations that standard carriers decline.