Minnesota SR-22 & High-Risk Auto Insurance
Minnesota requires 30/60/10 liability coverage and is a no-fault state.
Find Carriers That Accept PointsMinnesota 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
Minimum Coverage Requirements in Minnesota
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.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Non-Standard Auto Insurance
What Drivers Pay in Minnesota
$274–$296/mo
Typical monthly rate in Minnesota, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- 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
Stop Overpaying While Your Points Fade
Find Carriers That Accept PointsCoverage 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.