Best Minnesota SR-22 Insurance in 2024
What are Minnesota SR-22 requirements?
Minnesota does not use the SR-22 system. Instead, if you’ve committed a driving violation, you may be required to file an Insurance Certification form to the Minnesota Driver and Vehicle Services (DVS) of the Department of Public Safety (DPS).
Similar to an SR-22 certificate, Minnesota’s Insurance Certification is a proof of insurance. This proof of financial responsibility guarantees to the state that the driver has the minimum insurance coverage limits required of all Minnesota drivers. Needing an Insurance Certification does not affect the minimum liability limits you’re required to have. The Department of Public Safety mandates that all drivers must carry the minimum liability insurance. After you file an insurance certification form, your driving privileges may be reinstated.
If you need to file an Insurance Certification (SR22) form in Minnesota, it means you’ve committed a driving violation and have been required by the state or court to file it. The Insurance Certification is needed in order to get your license back after it has been revoked. Even if you don't own a vehicle, you must still get a non-owner's policy or operator's policy through an insurance agent.
In Minnesota, the Insurance Certification is required for one calendar year. Depending on the violation you committed to cause you to need an Insurance Certification, your car insurance rates may be affected.
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What are the SR-22 insurance limits in Minnesota?
If you’re required to have an Insurance Certification (called SR-22 in most states) in Minnesota, you’re required to have at least the minimum car insurance limits required by all drivers in Minnesota. Your Insurance Certification guarantees to the state that you have the required minimum car insurance coverages of
- Liability:
- Bodily injury — $30,000 per person
- Bodily injury — $60,000 per accident
- Property damage — $10,000 per accident
- Personal injury protection (PIP):
- Medical expenses — $20,000 per person
- Loss of income — $20,000 per person
- Bodily injury caused by an uninsured/underinsured motorist:
- $25,000 per person
- $50,000 per accident
Failure to carry the mandatory minimum coverage requirements will result in license suspension or revocation of your driving privileges. If your drivers license is revoked, you may be able to get your driving privileges reinstated by installing an ignition interlock program in your motor vehicle. The ignition interlock program must be installed by an authorized ignition interlock provider.
Who needs an SR22 in Minnesota?
If your Minnesota driver's license has been revoked, you need an Insurance Certification, which is similar to the SR-22 insurance in most states. Your license can be revoked for a number of reasons, including being convicted for driving under the influence (DWI) or any other serious traffic violation or accident.
If you’ve been convicted of a DWI in Minnesota, the Insurance Certification is one part of the requirements in order to get your license reinstated. Other requirements include paying a reinstatement fee, completing all court and DPS requirements, completing the Minnesota driver’s license application and completing other tests.
How are Minnesota SR-22 insurance rates calculated?
If you need SR-22 insurance, your car insurance rates will likely increase significantly. When you’re required to have an SR22, you get placed into the category of a high-risk driver or non-standard driver. High-risk drivers tend to pay the highest car insurance rates, but the cost of car insurance can vary by insurance provider and by state. There are many other factors that go into the cost of SR-22 insurance such as your age, gender, location, credit score, vehicle type, marital status and so on.
One of the most common reasons to need SR-22 insurance is because of a DUI/DWI conviction. While Minnesota doesn’t require SR-22 insurance, it may still require you to have an Insurance Certification because of a DWI. Drivers in Minnesota with one DWI on their driving record pay an average of $2,722 annually for car insurance. That’s 104 percent higher than car insurance rates for drivers who have a clean driving record. However, the cost you pay differs significantly based on the company you buy car insurance from. In the table below, you can find average rates for Minnesota drivers who have one DWI on their record from some of the largest companies in the state.
| Company | Car insurance rate |
|---|---|
| Farmers | $1,160 |
| American Family | $1,473 |
| State Farm | $1,626 |
| Auto-Owners | $1,716 |
| Allstate | $2,025 |
| Nationwide | $2,226 |
| USAA* | $2,528 |
| Geico | $2,634 |
| AAA | $5,322 |
| Liberty Mutual | $9,325 |
*USAA is only available to active and former military members and their families.
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Minnesota will differ. Rate data is provided by Quadrant Information Services.
While SR-22 insurance policies are expensive, if you maintain your car insurance and SR-22 form for the duration needed all while keeping a clean driving record, your rates may go down over time.
How to get an Insurance Certification in Minnesota?
To get an Insurance Certification in Minnesota, you need to download and print the Insurance Certification form from the Minnesota Driver and Vehicle Services website. The form needs to be filled out by someone from your auto insurance company who is authorized to do so. It can’t be filled out by you or your insurance agent.
After a serious violation that results in your license being revoked, your car insurance rates may increase as you are a high-risk or non-standard driver. It may be a good idea for you to shop around for a new auto insurance policy as your rates can differ based on the company you choose.
Use the table at the top of this page to find all the car insurance companies that offer SR-22 insurance in Minnesota. If you want to see which companies customers say are the best car insurance companies for SR22 insurance in Minnesota, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange “Click for quote” button next to the company, call the number available or visit the company’s website.
If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.
How are car insurance rates calculated?
When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurance carriers consider are:
- Your driving record
- How much you drive
- Location
- Age
- Marital status
- Gender
- Your car’s make, model and year
- Your credit history (in some states)
- Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)
One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
How much car insurance do I need?
You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?
The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).
So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.
How to save money on your car insurance?
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are six ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Monitor price changes to your policy
- Shop for better insurance rates
How do we rank car insurance companies?
Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:
- Cost
- Customer Service
- Overall Experience
- Claim service
- Purchasing experience
- Likelihood to recommend
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