Updated March 2026
State Requirements
Minnesota mandates minimum liability coverage of $30,000 bodily injury per person, $60,000 bodily injury per accident, and $10,000 property damage. 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.
Cost Overview
High-risk auto insurance in Minnesota costs significantly more than standard coverage due to violation type, driving history, and SR-22 filing requirements. Drivers with DUI convictions typically see the highest premiums—averaging $3,600–$5,200 annually—while those with multiple speeding tickets or at-fault accidents may pay $2,400–$3,800 per year. Rates vary widely by carrier, with non-standard insurers offering the most competitive pricing for high-risk profiles.
What Affects Your Rate
- Type of violation: DUI convictions carry the highest surcharge, often increasing premiums 80–150% for 10 years in Minnesota
- 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
- SR-22 filing requirement: Adds $20–$50 filing cost and limits carrier options to non-standard insurers
- Time since violation: Most violations affect rates for 3–5 years, though DUIs remain on your record for 10 years
- Zip code and county: Minneapolis and St. Paul high-risk drivers pay 15–25% more than rural areas due to higher accident and theft rates
- Age and gender: Drivers under 25 with violations face compounded surcharges, often paying $400+ monthly for full coverage
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Frequently Asked Questions
Sources
- Minnesota Department of Public Safety - Driver and Vehicle Services
- Minnesota Department of Commerce - Insurance Division
- Minnesota Statutes Section 169.791 - Financial Responsibility Requirements
- Minnesota Statutes Section 171.16 - Point System and License Suspension