Get cheap SR-22 insurance in Minnesota | finder.com

Get cheap SR-22 insurance in Minnesota

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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.

Compare car insurance providers

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.

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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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.

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.

Companies that offer SR-22 car insurance in Minnesota

Not every insurer offers SR-22 filing support. Compare cheap rates from Minnesota insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

Rates last updated October 20th, 2018
Company Median annual rate Learn more
Allstate $798 Read review
State Farm $1,038 Read review
Geico $1,376 Read review
American Family $509 Read review
USAA $992 Read review
Average $943 Compare more reviews

How do I file for an insurance certification form in Minnesota?

  1. 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.
  2. 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.
  3. Pay the fee. Your insurer will charge you a minimal processing fee for filing the insurance certification.
  4. 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.

  5. 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.

Bottom line

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.

Find the cheapest rates

Compare the best car insurance companies near you.

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