What's in this guide?
Compare Minnesota SR-22 car insurance
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.
Do I need to file an SR-22 in Minnesota?
Minnesota requires an insurance certification form if:
- You’re caught driving without insurance.
- You’re convicted of a DUI or reckless driving.
Your state DMV will let you know if you need to file this certification form.
What if I don’t have a car?
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.
What if I’m from another state?
If you have an SR-22 from another state, you’re required to maintain it while driving in Minnesota.
Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.
- Qualify even as a high-risk driver
- Get instant access to proof of insurance
- Take advantage of 10 discount opportunities
- File a claim conveniently by app
How much does an SR-22 cost in Minnesota?
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.
The impact of an insurance certification form on your car insurance rates
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.
How do I file for an insurance certification form in Minnesota?
- Notify your insurer. If you already have insurance, let your provider know that you need to file an insurance certification. Most are equipped to file this form.
- Find an insurer. Not all providers will insure someone who is required to file an insurance certification. To find a provider who will, compare insurance companies.
- Pay the fee. Your insurer will charge you a minimal processing fee for filing the insurance certification.
- Verify minimum liability coverage. Minnesota’s liability insurance coverage minimums are:
- $30,000 bodily injury or death of one person.
- $60,000 bodily injury or death per accident.
- $10,000 property damage.
You’ll see it written as 30/60/10 on insurance documents.
- Submit your insurance certification. In Minnesota, typically your insurance provider will electronically file the certification on your behalf.
How long will I need an SR-22 in Minnesota?
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.
What happens if I let my insurance certification lapse?
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.
What happens when I don’t need insurance certification anymore?
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.
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.
More guides on Finder
Is supplemental disability insurance right for me?
If you’re concerned your group disability insurance won’t replace enough of your income if you experience a disability, you can buy supplemental disability insurance.
It’s too late to insure for Hurricane Delta, but here’s what to do instead
With landfall expected Friday, know what your current policy covers and how to get federal government disaster relief.
Heacock Classic car insurance review October 2020
Insure your classic car or race car at agreed value with Heacock Classic, but you’ll have to look elsewhere if you have recent claims or major violations.
Xbox One review and buying guide
Trying to choose the right gaming console for you and your family? You’ll find everything you need to know about Microsoft’s Xbox One console right here.
Driving without car insurance
Since driving uninsured comes with steep penalties, look at your coverage options or consider alternatives.
Say car insurance review Oct 2020
Offers a transparent look at your premiums and rewards renewal with a better insurance score.
Compare bus conversion insurance
Find and qualify for the right type of policy when living in a skoolie.
Does home or renters insurance cover eviction?
Learn what your policy covers and how eviction affects your insurance.
Best home insurance for wildfires
Compare costs, coverage and claims for wildfire insurance, plus how to find high-risk home insurance.
Compare Auto Insurance
Get cheap car insurance rates.
Ask an Expert