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 rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Minnesota's 30/60/10 minimums are low, and a single serious accident can result in a lawsuit that exceeds your policy limits.
Full Coverage
Combines liability, collision, and comprehensive. Repairs or replaces your vehicle after accidents, theft, vandalism, or weather damage regardless of fault.
SR-22 Insurance
A certificate proving you carry continuous liability insurance, filed by your carrier with the Minnesota Department of Public Safety. Required after DUI, suspensions, and serious violations.
Non-Standard Auto Insurance
Coverage from insurers who specialize in high-risk drivers. Used when standard carriers decline you due to violations, points, DUI, or SR-22 requirements.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage. Covers medical bills, lost wages, and vehicle damage.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of who was at fault. Required by lenders and essential for newer or financed vehicles.
