Minimum Coverage Requirements in Minnesota
Minnesota requires liability coverage of 30/60/10: $30,000 bodily injury per person, $60,000 per accident, and $10,000 property damage. The state also mandates uninsured/underinsured motorist coverage at the same 30/60/10 limits, though drivers can reject this in writing. SR-22 filing is typically required for DUI convictions, driving without insurance, multiple violations within a short period, and license reinstatement after suspension. The SR-22 requirement usually lasts 3 years from the date of filing, during which your insurer continuously certifies coverage to the Minnesota Department of Public Safety Driver and Vehicle Services.
How Much Does Car Insurance Cost in Minnesota?
Post-SR22 drivers in Minnesota typically pay $175–$285/mo for full coverage in the first year after their filing requirement ends, compared to $120–$165/mo for drivers with clean records. Your rate depends heavily on time since the SR-22 ended, the underlying violation type, and whether you've maintained continuous coverage without new incidents. Shopping across carriers is critical—the rate spread between standard carriers (who may still surcharge you) and competitors specializing in rate recovery can exceed $100/mo for identical coverage.
What Affects Your Rate
- Time since SR-22 completion: rates drop approximately 15–25% at 1 year, 25–40% at 3 years, and reach near-normal levels at 5 years for drivers with no new incidents
- Underlying violation type: DUI-related SR-22s typically carry surcharges 2–3 years longer than SR-22s for license suspension due to unpaid tickets
- Coverage continuity: even a single 1–2 day lapse after SR-22 ends can reset your rate tier with some carriers or disqualify you from preferred programs
- Current carrier specialization: insurers who wrote your SR-22 policy often don't offer the lowest post-SR22 rates—competitors actively seeking rate-recovery customers may quote 20–35% lower
- Vehicle value and deductible choices: post-SR22 drivers who increase deductibles from $500 to $1,000 typically save $18–$35/mo, which compounds to $650–$1,200 over 3 years
- Credit-based insurance score recovery: improving your credit during the SR-22 period can reduce post-SR22 rates by 10–20% with most carriers, though Minnesota limits how heavily insurers can weight credit
Your SR-22 period is ending — you can access standard rates again
Most drivers see significant savings when they transition off SR-22. Compare current rates now.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Minnesota requires 30/60/10, but post-SR22 drivers should strongly consider 100/300/100 to protect assets and demonstrate responsibility during rate recovery.
Uninsured Motorist Coverage
Protects you when hit by uninsured or underinsured drivers. Minnesota requires this at 30/60/10 unless you reject it in writing, which most post-SR22 drivers should avoid.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Not required by Minnesota but critical for financed vehicles and recommended for any vehicle worth more than your deductible.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident or single-vehicle crash. Required by lenders and recommended for vehicles worth more than $5,000.
Full Coverage
Bundles liability, UM/UIM, comprehensive, and collision. Post-SR22 drivers should shop this package across multiple carriers—the rate spread between highest and lowest quotes often exceeds $125/mo for identical coverage.
SR-22 Insurance (During Filing Period)
Not a separate policy but a filing your insurer submits to the Minnesota Department of Public Safety verifying continuous coverage. Required for DUI, uninsured driving, and certain suspensions—typically for 3 years.
