Updated April 2026
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 Auto Insurance Rates in Minnesota
Find Your City in Minnesota
Sources
- Minnesota Department of Public Safety Driver and Vehicle Services (DPS-DVS) — SR-22 filing requirements and reinstatement procedures
- Minnesota Statutes Section 171.04 — Financial responsibility and proof of insurance requirements