Minnesota DUI SR-22 Insurance: Rates & Filing Guide
Minnesota requires 30/60/10 liability coverage and is a no-fault state.
Free to compare
Minnesota at a Glance
30/60/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
$30
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Minnesota
Minnesota operates under a traditional tort system, meaning the at-fault driver's liability coverage pays for injuries and property damage in accidents. After a DUI conviction, the Minnesota Department of Public Safety requires SR-22 filing to reinstate your license and maintain proof of continuous coverage for three years. Your filing period starts on the date your license is reinstated, not the conviction date, which means delays in obtaining SR-22 coverage extend how long you remain suspended.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate Filing
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
What Drivers Pay in Minnesota
$269–$491/mo
Typical monthly rate in Minnesota, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Non-standard carriers like Dairyland, GAINSCO, Bristol West, and The General dominate post-DUI SR-22 policies in Minnesota because mainstream carriers exit at renewal.
- Minnesota's tort system means liability limits directly affect your financial exposure—drivers with assets or high income should carry 250/500 or higher to avoid wage garnishment after an at-fault accident.
- Your filing period resets to day one if you allow any coverage lapse, even one day, which means three years becomes four or five if you miss payments or switch carriers incorrectly.
- Adding a second vehicle under the same SR-22 policy costs less than maintaining two separate policies, but both vehicles must carry SR-22 filing.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf your license is suspended
Limited license (work permit)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Minnesota after a DUI?
Minnesota requires three consecutive years of SR-22 filing from the date your license is reinstated, not the conviction date. If you allow any lapse in coverage during those three years, the filing period resets to day one. Most first-offense DUI drivers complete the full three years, but repeat-offense or aggravated DUI convictions may require longer filing periods depending on sentencing.
What happens if my SR-22 lapses in Minnesota?
Your insurance carrier notifies the Minnesota Department of Public Safety electronically within 24 hours of any cancellation, non-payment, or lapse. The state suspends your license immediately with no grace period. Reinstatement after a lapse requires paying a new reinstatement fee, obtaining new SR-22 coverage, and restarting the three-year filing period from the new reinstatement date.
Will State Farm or Geico file SR-22 after a DUI in Minnesota?
Most mainstream carriers including State Farm, Geico, Allstate, and Progressive will file SR-22 for existing customers immediately after a DUI conviction, but they typically non-renew your policy at the six-month or twelve-month term. New DUI drivers usually need non-standard carriers like Dairyland, Bristol West, GAINSCO, The General, or Direct Auto, which specialize in high-risk SR-22 policies and accept post-DUI applications.
Does Minnesota require SR-22 for a first-offense DUI?
Yes. Minnesota requires SR-22 filing for all DUI convictions, including first-offense standard DUI. The Minnesota Department of Public Safety mandates three years of continuous SR-22 from reinstatement. Aggravated DUI (BAC over 0.16, minor in vehicle, accident causing injury) and repeat-offense DUI may require longer filing periods or additional compliance measures like ignition interlock devices.
When does my SR-22 filing period start in Minnesota?
Your three-year SR-22 filing period starts on the date the Minnesota Department of Public Safety reinstates your license, not your conviction date or suspension start date. Delays in obtaining SR-22 coverage extend the total time you remain suspended. If your license was suspended for 90 days and you wait 60 days after eligibility to obtain SR-22, you add 60 days to your total suspension length.
Coverage Types
SR-22 Insurance
State-mandated proof of continuous insurance filed electronically by your carrier. Not a separate policy—attached to your existing auto insurance.
Non-Owner SR-22
Liability-only policy for drivers who do not own a vehicle but need SR-22 to reinstate their license. Covers you when driving borrowed or rented vehicles.
Liability Insurance
Pays for injuries and property damage you cause to others. Required in Minnesota at 30/60/10 minimums, but those limits leave you exposed in serious accidents.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or insufficient limits. Pays your medical bills and vehicle damage up to your policy limits.
Full Coverage
Liability plus collision and comprehensive physical damage coverage on your vehicle. Required if you finance or lease.