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.
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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.
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.
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.
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.
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