Updated April 2026
Minimum Coverage Requirements in Minnesota
Minnesota requires minimum liability coverage of 30/60/10: $30,000 bodily injury per person, $60,000 per accident, and $10,000 property damage. SR-22 filing is required after DUI convictions, license suspensions for points, and uninsured at-fault accidents. Most speeding tickets and point violations do not trigger SR-22 unless they result in a suspension. Minnesota uses a point system where accumulating 4 points in 12 months can trigger a suspension and potential SR-22 requirement.
How Much Does Car Insurance Cost in Minnesota?
Minnesota drivers with points or violations typically see rate increases of 20–70% depending on the offense, with DUI causing the steepest hikes. A speeding ticket 10–15 mph over the limit adds approximately $30–$60/mo, while a DUI can raise premiums by $150–$250/mo or more. Rates begin to recover after 3 years as violations age, and most points fall off your Minnesota driving record after 5 years.
What Affects Your Rate
- Violation type: speeding 10–15 over adds 15–25%, DUI adds 80–150%, at-fault accident adds 40–60%
- Number of points: 2 points vs. 6 points can double your surcharge
- Time since violation: surcharges drop significantly after 3 years
- SR-22 requirement: adds $15–$35 filing fee plus access to non-standard market only
- Location: Minneapolis and St. Paul metro rates run 10–20% higher than rural Minnesota counties
- Carrier: non-standard insurers vary widely—shopping 3–5 carriers can save $50–$150/mo
Compare Auto Insurance Rates in Minnesota
Find Your City in Minnesota
Sources
- Minnesota Department of Public Safety - Driver and Vehicle Services
- Minnesota Statutes § 169A (DWI and Implied Consent Law)
- Minnesota Commerce Department - Auto Insurance Requirements