Insurance Proof in Minnesota
Minnesota does not require SR-22 insurance. The state uses its own system to verify financial responsibility for high-risk drivers. Minimum coverage for all drivers is $30,000/$60,000 bodily injury and $10,000 property damage. Minnesota does not use the SR-22 form. The state has its own financial responsibility system. Drivers with out-of-state SR-22 requirements must still maintain their coverage.
Last updated:
Overview
An SR-22 is not required by Minnesota, though drivers with an SR-22 mandate from another state will need to maintain their minimum coverage to avoid having their license suspended in Minnesota. Minnesota uses its own system for monitoring high-risk drivers.
Key Facts
Coverage for the described requirement
Use an actual policy quote
Request the full policy-term premium, separate fees, payment schedule, coverage and certificate filing in writing. A generic surcharge or multi-year estimate is not your quote.
Compare entered policy quotesHow to File
Verify Requirements
Minnesota does not use the SR-22 form. Contact the Minnesota DMV or your insurance provider to understand the state's specific requirements for high-risk drivers.
Maintain Minimum Coverage
Ensure you carry at least the state minimum: $30,000/$60,000 bodily injury and $10,000 property damage, plus PIP coverage.
Complete All Reinstatement Requirements
Pay all fines, complete required programs (substance abuse classes, community service, etc.), and satisfy any court-ordered conditions before applying for license reinstatement.
If you do not own a vehicle
Tell the insurer about vehicles you own, regularly use or can access in your household or employment. Ask which policy covers that use and supports the required certificate. Confirm its exclusions and the licensing authority’s acceptance; no fixed non-owner price or automatic reinstatement follows.
Important Notes
Minnesota does not use the SR-22 form. The state has its own financial responsibility system. Drivers with out-of-state SR-22 requirements must still maintain their coverage.
Frequently Asked Questions
- Does Minnesota require SR-22 insurance?
- No. Minnesota does not use the SR-22 form. The state has its own system for verifying financial responsibility for high-risk drivers. However, if you have an SR-22 requirement from another state, you must still maintain that coverage while driving in Minnesota.
- What are Minnesota's minimum auto insurance requirements?
- Minnesota requires minimum coverage of $30,000 per person / $60,000 per accident for bodily injury and $10,000 for property damage. PIP (Personal Injury Protection) is also required. UM/UIM (Uninsured/Underinsured Motorist) coverage is also required.
- What happens after a DUI in Minnesota if there's no SR-22?
- Even without SR-22, Minnesota requires you to maintain valid auto insurance, complete all court-ordered requirements, pay reinstatement fees, and may impose additional monitoring. Your insurance rates will likely increase significantly after a DUI.
Take Action — Direct Links
- Minnesota Minimum Insurance Requirements
Insurance Information Institute — Minnesota minimum coverage: $30,000/$60,000/$10,000.
More for Minnesota
Suspension periods, IID requirements, penalties, and step-by-step reinstatement process.
Reinstatement fees, restricted license options, IID requirements, and timeline.
Related Guides
Related Resources on This Site
More for your state
- DUI RecoveryDUI license recovery in Minnesota
- License ReinstatementLicense reinstatement in Minnesota
- DUI LawsDUI laws & penalties in Minnesota
- Ignition InterlockIgnition interlock (IID) in Minnesota
- Jobs by CityFelony friendly jobs in Minneapolis, MN
- Jobs by StateJobs for felons in Minnesota
- HousingSecond chance apartments in Minneapolis, MN
- ExpungementMinnesota expungement guide
Helpful guides
- TransportationCar Insurance With a Suspended License: Companies, Costs & SR-22
- License ReinstatementDriver's license reinstatement by state
- Banking & CreditBudget Planning After Criminal Record or Bankruptcy
- ToolsReentry Checklist — Preparation Steps After Release