Updated April 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.
How Much Does Car Insurance Cost in Minnesota?
Minnesota drivers with a recent DUI typically see their premiums increase 80-200%, while those with multiple moving violations may see increases of 50-100%. The exact rate depends on the violation type, your age, your driving history before the violation, and which non-standard carrier you choose. Rates begin to normalize 3-5 years after the violation, assuming no additional infractions.
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
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage 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.
