Minnesota SR-22 & Points Auto Insurance

Minnesota's 30/60/10 minimums are among the lowest in the region and are rarely sufficient after an at-fault accident. Drivers with point violations or at-fault accidents should carry at least 100/300/100 to protect against lawsuit exposure, as your elevated risk profile makes you a more likely target for claims.

Minnesota requires uninsured/underinsured motorist coverage at 25/50 unless you reject it in writing. If you have points on your record and are hit by an uninsured driver, this coverage protects you without filing a claim against your own collision policy, which would add another at-fault mark to your record.

Full coverage combines liability, collision, and comprehensive insurance. If you have a loan or lease, full coverage is required by your lender.

SR-22 is not a type of insurance—it's a certificate your insurer files with the Minnesota Department of Public Safety proving you carry at least state minimum liability. It's required after DUI, some license suspensions, and serious violations. Not all carriers offer SR-22 in Minnesota; you'll typically need a non-standard insurer like Progressive, The General, or state-specific high-risk writers.

Non-standard carriers specialize in drivers with points, violations, DUIs, or SR-22 requirements. These carriers use different underwriting models and may offer payment plans or lower down payments than standard insurers who decline high-risk drivers outright. Your goal is to maintain continuous coverage for 3–5 years, then re-shop to standard carriers as your record clears.