Been caught speeding one too many times or been involved in multiple accidents? If so you may be required to file for an SR-22.
An SR-22 is certification of financial responsibility and verifies that you have car insurance that meets the state’s minimum requirements. This form must be filed before your license can be reinstated.
Do I need to file an SR-22 in Minnesota?
No, Minnesota instead requires an insurance certification form if:
- You’re caught driving without insurance
- You’re convicted of a DUI or reckless driving
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.
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 is the expensive part of an insurance certification form — high-risk drivers see higher premiums.
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.
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 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.