Violation Insurance
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Minnesota Car Insurance After a DUI or Major Violation

Minnesota requires 30/60/10 liability coverage and is a no-fault state.

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Minnesota 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

After a DUI or major violation in Minnesota, your current insurance carrier will typically send a non-renewal notice—not an immediate cancellation—giving you 30-60 days to find new coverage. During this window, Minnesota law typically requires you to obtain an SR-22 filing and maintain continuous coverage for the duration specified by the state. If your license was suspended, you cannot legally reinstate it without proof of insurance that meets Minnesota's minimum liability requirements and includes the required SR-22 filing.

SR-22 Filing

An SR-22 is not a type of insurance—it is a certificate your insurer files with the Minnesota Department of Public Safety proving you carry the required minimum coverage. Not all carriers offer SR-22 filings, which is why you'll likely need to move to a non-standard carrier.

Minimum Liability Insurance

These are the legal minimums to reinstate your license after a suspension, though higher limits are recommended if you have assets to protect.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers—those with DUIs, violations, lapses, or suspensions on their record. These policies are more expensive than standard coverage because they insure drivers who pose a statistically higher risk. Most standard carriers (the ones you see advertised on TV) will not offer you a new policy after a major violation.

High-Risk Auto Insurance

High-risk auto insurance refers to policies written for drivers with recent major violations, DUIs, suspended licenses, or multiple at-fault accidents. In Minnesota, high-risk policies typically cost 2-4 times more than standard rates, depending on the severity and recency of the violation. You'll remain in this category until your violation ages off your record and you demonstrate a period of clean driving.

Comprehensive and Collision Coverage

Comprehensive and collision coverage are not legally required in Minnesota, even after a violation. However, if you have a car loan or lease, your lender will require you to carry both. Given the already-high cost of non-standard insurance, many violation drivers choose to carry only the state-required minimums if they own their vehicle outright.

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

  • Type of violation—DUI carries the highest rate increase, followed by reckless driving and hit-and-run
  • Your age and gender—young male drivers with violations pay the most
  • How long ago the violation occurred—rates drop as the violation ages off your record
  • Whether you had any violations before this one—a single DUI with an otherwise clean record costs less than a DUI with prior tickets
  • The non-standard carrier you choose—some specialize in DUI drivers and offer more competitive rates for that profile
  • Where you live in Minnesota—urban areas like Minneapolis and St. Paul have higher rates than rural areas due to accident frequency
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Get Back to a Fair Rate After a Violation

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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, suspensions, or multiple violations. These policies cost significantly more than standard insurance, but they're often the only option available after a major violation.

Non-Standard Auto Insurance

Insurance from carriers that specialize in high-risk drivers. Non-standard carriers are typically the only companies willing to write a new policy immediately after a violation.

SR-22 Insurance

A certificate filed by your insurer proving you carry the state-required minimum coverage. The SR-22 itself is not insurance, but you cannot get one without an active policy from a carrier that offers the filing.

Liability Insurance

Covers injury and property damage you cause to others in an accident. This is the minimum coverage required by Minnesota law and the foundation of any SR-22 filing.

Find Your City in Minnesota

Minneapolis

urban

St. Paul

urban

Rochester

suburban

Duluth

urban

Bloomington

suburban

Brooklyn Park

suburban

Plymouth

suburban

Maple Grove

suburban