Updated March 2026
State Requirements
Minnesota requires minimum liability coverage of 30/60/10: $30,000 bodily injury per person, $60,000 per accident, and $10,000 property damage. Drivers with DUI convictions, multiple violations, at-fault accidents while uninsured, or license suspensions typically face SR-22 filing requirements on top of these minimums. The state also mandates uninsured/underinsured motorist coverage at the same 30/60 limits unless declined in writing. High-risk drivers should expect non-standard carriers to require higher limits than state minimums as a condition of coverage.
Cost Overview
High-risk auto insurance in Minnesota costs significantly more than standard coverage due to violation surcharges, SR-22 filing requirements, and placement with non-standard carriers. DUI convictions typically increase premiums by 100–200%, while multiple violations or at-fault accidents add 40–120% depending on severity and frequency. Rates vary widely based on the specific offense, time since the violation, age, location, and which non-standard carriers are willing to write coverage in your area.
What Affects Your Rate
- Violation type: DUI convictions carry heavier surcharges than speeding tickets or at-fault accidents
- Time since offense: rates decrease as violations age, with notable drops at 3- and 5-year marks
- SR-22 requirement: adds filing fees and limits carrier options to non-standard market
- Location: Minneapolis and St. Paul see higher rates due to theft, vandalism, and accident frequency
- Age and gender: young male drivers with violations face the steepest surcharges
- Stacked violations: multiple offenses within 3 years compound surcharges exponentially
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Frequently Asked Questions
Sources
- Minnesota Department of Public Safety - Driver and Vehicle Services
- Minnesota Department of Commerce - Insurance Division
- Minnesota Statutes Section 65B.48 - Motor Vehicle Insurance Requirements