Minimum Coverage Requirements in Minnesota
Minnesota requires minimum liability coverage of 30/60/10 — $30,000 bodily injury per person, $60,000 per accident, and $10,000 property damage. Drivers convicted of DUI, license suspension for violations, at-fault accidents while uninsured, or accumulating excessive points typically face SR-22 filing requirements through the Minnesota Department of Public Safety Driver and Vehicle Services (DPS-DVS). Minnesota uses a point system where accumulating 30 points within 2 years triggers suspension, and certain violations immediately require SR-22 regardless of point total.
How Much Does Car Insurance Cost in Minnesota?
High-risk auto insurance premiums in Minnesota are driven by violation type, point accumulation, age, and coverage level. A driver with a single DUI typically pays $2,400–$4,800 annually for SR-22 liability coverage, while clean-record drivers pay approximately $900–$1,500 annually for the same limits. Rate recovery begins after 3–5 years as violations age off your record and SR-22 requirements expire.
What Affects Your Rate
- Violation type — DUI carries the highest surcharge, typically 150–250% above base rates for 5–7 years
- Point accumulation — drivers approaching the 30-point suspension threshold pay higher premiums even before suspension occurs
- SR-22 duration remaining — premiums begin decreasing in year 2 of a 3-year SR-22 requirement if no new violations occur
- Age and experience — drivers under 25 with SR-22 requirements pay the highest rates due to combined age and risk factors
- Coverage level — full coverage with SR-22 costs approximately 40–60% more than liability-only for the same risk profile
- Carrier type — non-standard carriers may charge 20–30% more than standard carriers willing to write high-risk profiles
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 injury and property damage you cause to others. Minnesota's 30/60/10 minimum is the floor, not the target — a single serious accident can exceed these limits and expose you to personal liability.
Full Coverage
Combines liability, comprehensive, and collision. Required by lenders and lessors, and recommended if your vehicle is worth more than $5,000 or you cannot afford to replace it out of pocket.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUI, suspensions, SR-22 requirements, or multiple violations. Non-standard carriers price risk differently and often provide the only available market after a major violation.
SR-22 Insurance
An SR-22 is a certificate filed by your insurer proving you carry at least state minimum liability coverage. It is not a separate policy, but an endorsement added to your existing coverage.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage if you are hit by an uninsured or underinsured driver. Minnesota does not require this coverage, but approximately 12% of drivers carry no insurance.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the crash. Required by lenders, optional if you own your vehicle outright.
