Minnesota SR-22 & High-Risk Auto Insurance
Minnesota requires 30/60/10 liability coverage and is a no-fault state.
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Minnesota 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
No
A defensive driving course does not remove points here
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers convicted of DUI, involved in at-fault accidents without insurance, or who accumulate excessive violations may be required to file SR-22 proof of financial responsibility with the Minnesota Department of Public Safety. The state uses a point system where accumulating 30 points within 10 years triggers license suspension. Most standard point violations—speeding tickets, minor at-fault accidents with insurance—do not require SR-22 filing, but they will increase premiums and remain on your driving record for 5 years.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$274–$296/mo
Typical monthly rate in Minnesota, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Number of points on record: Minnesota's point system assigns 4 points for speeding 10+ mph over the limit and 6 points for careless driving, with 30 points in 10 years triggering suspension
- Time since violation: Most violations affect rates for 3–5 years, though DUIs remain on your record for 10 years
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 last in Minnesota?
SR-22 filing is required for 3 years from the date of your conviction or license reinstatement, whichever is later. If your insurance lapses at any point during this period, the 3-year clock resets from your reinstatement date. Continuous coverage with the same or different carrier is mandatory—your insurer will notify the state within 10 days of any cancellation or lapse.
Do I need SR-22 for a speeding ticket in Minnesota?
No, standard speeding tickets do not trigger SR-22 requirements in Minnesota. SR-22 is required for DUI convictions, driving without insurance, at-fault accidents without coverage, and license suspensions from excessive violations. A single speeding ticket will add points to your record and increase your insurance rates but does not require SR-22 filing.
How many points suspend your license in Minnesota?
Accumulating 30 points within 10 years triggers license suspension in Minnesota. Common violations include 4 points for speeding 10+ mph over the limit, 6 points for careless driving, and 6 points for failure to stop for a school bus. Once suspended, you may be required to file SR-22 to reinstate your license.
How long do points stay on your driving record in Minnesota?
Points remain on your Minnesota driving record for 5 years from the date of conviction. However, insurance companies may surcharge your premium for violations for 3–5 years depending on the severity. DUI convictions remain on your record for 10 years and affect insurance rates for the entire period.
Can I get SR-22 insurance with a suspended license in Minnesota?
Yes, you can purchase SR-22 insurance while your license is suspended, and filing SR-22 is often required as part of the reinstatement process. You must pay all reinstatement fees to the Minnesota Department of Public Safety, complete any required assessments or courses, and maintain continuous SR-22 coverage for 3 years from your reinstatement date to avoid further suspension.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an accident. Minnesota requires 30/60/10 minimums, but high-risk drivers should carry higher limits to protect against personal liability after a second at-fault incident.
SR-22 Insurance
Certificate filed by your insurer proving you carry Minnesota's minimum liability coverage. Required for DUI, driving without insurance, and certain license suspensions for 3 continuous years.
Full Coverage
Combines liability, comprehensive, and collision to protect both your legal obligation and your vehicle's value. Required by lenders and recommended for high-risk drivers with financed cars or vehicles worth over $5,000.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUI convictions, multiple violations, lapses, or SR-22 requirements. Carriers like Dairyland, The General, and Progressive's non-standard division accept high-risk profiles standard insurers decline.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance or with insufficient coverage. Minnesota requires insurers to offer UM/UIM matching your liability limits unless you reject it in writing.
Collision Coverage
Pays to repair or replace your vehicle after an accident regardless of fault. Required by lenders and recommended for high-risk drivers with vehicles valued above $3,000.