Minnesota SR-22 Insurance After Filing Ends
Minnesota requires 30/60/10 liability coverage and is a no-fault state.
Compare Rates After SR-22Minnesota 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
$30
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Minnesota
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.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Comprehensive Coverage
Full Coverage (Liability + Comprehensive + Collision)
What Drivers Pay in Minnesota
$223–$491/mo
Typical monthly rate in Minnesota, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- 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
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Limited license (work permit)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage 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.