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The fee your provider charges for filing the certification is usually $20 to $50. But the filing fee isn’t the most expensive part of an insurance certification form — higher premiums as a result of being categorized as a high-risk driver will likely hit your wallet hard.
Insurance certification forms are often required after a driving conviction, such as driving without insurance or DUI. After such a conviction, you’re considered a “high-risk” driver by Minnesota and most providers — which typically results in higher insurance rates. Still, you’ll find providers out there that specialize in high-risk drivers.Talk to your provider about how much you can expect your rates to increase.
You’ll see it written as 30/60/10 on insurance documents.
Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Minnesota car insurance.
In Minnesota, you are typically required to maintain a certificate for three years. But the actual amount of time is determined by the severity of the crime.
Make sure you understand your role in maintaining your insurance and your insurance certification. A lapse or nonrenewal could set you back a lot of money and time.
A lapse in your insurance certification could result in your license being suspended again. Suspension, even if it’s not the first one, will require that you renew your insurance and submit the certification again and that you pay any reinstatement fees.
Minnesota requires an insurance certification form if:
Your state DMV will let you know if you need to file this certification form.
You‘ll still be required to file an insurance certification form, even if you don’t own a car, if you want to get your license reinstated. Talk to your insurance provider about a non-owner or operator insurance policy.
If you have an SR-22 from another state, you’re required to maintain it while driving in Minnesota.
It’s important to confirm that your certification is no longer required before you drop or change your current policy. You can contact Driver and Vehicle Services to do so, and from there you’ll be able to work out any shifts in your coverage with your insurance agent.
Compare SR-22 car insurance from companies near you.
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Need help? Call (877) 959-5072 toll-free to speak to an SR-22 specialist.
Regardless of why your license was revoked it’s important to maintain your insurance coverage to prevent it from happening again. Avoid any gaps in your coverage by keeping on top of your payments and renewing before the expiration date.
Compare providers to get the best policy for your money. Your premiums may be higher, but that’s just one more reason to take your time when shopping around for a plan.
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