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
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
