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SR22 In Minnesota Explained

Last modified: Jul 25, 2023

If you’re a Minnesota driver convicted of severe traffic violations, such as reckless driving or a DUI, you will be considered high risk. The law requires all high-risk drivers in Minnesota to have SR-22 insurance. It’s not an insurance policy. It’s a form that you file with your car insurer to prove that your auto insurance coverage meets the state’s minimum liability requirements.

SR-22 insurance in Minnesota will cost you more than standard insurance coverage because drivers with the SR-22 are considered high risk. The cheapest SR-22 coverage option for drivers in Minnesota is State Farm, where you can find SR-22 insurance for only $670 per year. 

Let’s discuss everything that you need to know about SR-22 insurance in Minnesota in this article.

SR-22 Insurance in Minnesota 

If you just found out that you require SR-22 insurance in Minnesota, you may be a little confused about what it is and where you can get it from. If you require an SR-22, it means you’re a high-risk driver, and you need to get adequate coverage. 

What Is SR-22 Insurance in Minnesota?

Minnesota is among the eight states that don’t require an SR-22 form. However, the Minnesota Department of Public Safety has made it mandatory for all drivers to carry minimum liability insurance.

You need to know that SR-22 isn’t an insurance policy but a form that will be filed by your insurance company to prove you have enough coverage to meet the state’s minimum liability requirements. 

Drivers who have violated traffic laws need to get SR-22, which is expensive as the rates increase due to the violations. 

Who Needs It?

The traffic violations that result in requiring an SR-22 form will differ depending on the state laws. In Minnesota, certain offenses require drivers to get SR-22 coverage. They include:

  1. Reckless driving
  2. Driving with a suspended license
  3. Driving without insurance coverage
  4. DUI 
  5. Distracted driving 

An SR-22 form won’t be necessary for minor violations such as an at-fault accident or a ticket. You will need to shop around and compare prices to find the best insurance when you have a bad driving record. Every insurance carrier has different rates. 

The courts determine how long you will need the SR-22 in Minnesota based on the violation’s severity. Most drivers are required to keep an SR-22 for at least three years. 

How Do You Get It?

Your auto insurance company files an SR-22 form with the state upon your request. However, some insurance providers may not cover high-risk drivers who need an SR-22. If you find yourself in that situation, you will need to shop around to find the best insurer that provides this service. You should also note that committing traffic violations will result in increased premiums. 

What Minnesota Drivers Need an SR-22?

Not every driver in Minnesota needs an SR-22. This form is required for high-risk drivers who have committed severe traffic violations, such as DUI or reckless driving. In addition, drivers who have been caught without insurance also need to file an SR-22 form. 

How Can I Get an SR-22 Certificate in Minnesota?

It’s not that difficult to file for an SR-22 certificate in Minnesota. Any insurance agency licensed by the state can fill out the form on your behalf and submit it to the Minnesota Department of Public Safety, Department of Vehicle Services. After you have paid the fee, the form will be sent. You will get a copy of the SR-22 certificate within 30 days.  

Minnesota Driver Statistics

Here, we’ll share some of the most interesting Minnesota driver statistics for the past couple of years.  

How Many Minnesotans Die in Car Accidents Per Year?

There were 364 MN driving fatalities in 2019, 4% fewer than in 2018. Out of the 364 fatalities:

Which Demographic Has the Most Car Accidents?

Males are more likely to be involved in car crashes, and that doesn’t come as a surprise as there are more male drivers than female drivers. Males accounted for 72% of DUI arrests in 2017, outnumbering females by nearly 3:1. 

How Many Accidents Are in Minnesota?

According to MN crash data, there were a total of 80,636 car crashes in Minnesota in 2019, which represents a 2% increase from 2018. However, Minnesota roads are considered relatively safe. The number of accidents in Minnesota has decreased significantly in the past decades.

What Percentage of Crashes in Minnesota Are Caused by Distracted Driving?

Minnesota distracted driving statistics to reveal that distracted driving is a constant problem among Minnesota drivers, which caused 2,612 injuries and 29 deaths in 2020. Distracted driving makes up 11% of the crashes in Minnesota. Therefore, you should always be aware of your surroundings when driving and not use your phone behind the wheel.

Filing an SR-22 Insurance Certificate in Minnesota

Filing an SR-22 insurance certificate in Minnesota isn’t as difficult as it may seem. All you need to do is get in touch with your insurance carrier and inform them of your traffic violation. They will file for an SR-22 on your behalf. If they need any additional information, they’ll contact you. You will receive an SR-22 certificate within a month. 

Minnesota Auto Insurance & Accident Facts

Every year, there are hundreds of thousands of car accidents in Minnesota. All vehicles in Minnesota must be insured. Proof of insurance must be carried at all times, especially when law enforcement requests it, when you’re renewing your vehicle registration, or when the vehicle is involved in an accident. 

The minimum liability insurance required for cars in Minnesota:

  • Bodily injury: $30,000 per person and $60,000 per accident 
  • Property damage liability: $10,000 
  • Personal injury protection: $40,000
  • Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident

Do I Need an SR-22 to Reinstate My MN License?

Yes, if your license is suspended, you will likely have to file an SR-22 to reinstate your license. 

Where Do I Send Proof of Insurance in Minnesota?

You will need to send proof of insurance to the Minnesota Department of Public Safety, Department of Vehicle Services. It will then ensure you have the minimum liability coverage for an auto accident on record. The SR-22 certificate can then be shown to law enforcement authorities if you ever get into an accident or violate a traffic rule. 

How Long Is SR-22 Required in Minnesota?

Minnesota doesn’t require an SR-22, but drivers in other states are required to maintain their SR-22 for three years. This period may vary depending on the severity of the violation. Some drivers need it only for a year, but others may have to carry it for the entire three years until it’s not required anymore. 

What Is an SR-22 Filing?

An SR-22 filing is when your insurance carrier files the SR-22 form on your behalf with the Minnesota Department of Public Safety, Department of Vehicle Services. It ensures there is a record of you meeting the state minimum liability requirements. 

Non-Owner SR-22 in Minnesota

You can get your license suspended if you’re involved in a major driving accident in Minnesota. If that happens, you’ll need to file an SR-22 to verify you have adequate vehicle liability insurance. That will help you get your license reinstated, and it doesn’t matter if you own your car or not. 

The best way to prove that you have a liability insurance policy is to buy a non-owner car insurance policy. This policy is an ideal option for people who need proof of insurance, even if they don’t drive frequently or own a vehicle. It’s also great for those who drive rented cars or vehicles of their family and friends. 

Cheapest Companies for SR-22 Insurance in Minnesota

There are several options available to drivers looking for SR-22 insurance in Minnesota. The company that offers the cheapest rates is State Farm, which only charges $670 per year. The most expensive choice in the list is AAA, whose average premium costs $3,577 annually. 

Let’s look at the table with the cheapest companies for SR-22 in Minnesota. 

CompanyAverage Annual Rate
State Farm$670
American Family $756
Progressive $1,202

The table shows the costs of auto insurance policies that meet Minnesota’s minimum liability coverage requirement or the full-coverage plan totaling $100,000 in bodily injury liability per person, $100,000 in property damage, and $300,000 per accident. 

The car insurance rates we have shared are averages and not the final costs for the policy. The insurance providers evaluate different factors like the SR-22 form filing fee, your personal circumstances, the nature of the driving violation, and others. If you’re looking for the lowest rates for SR-22 insurance in Minnesota, it’s best to compare quotes from at least three different insurance companies. 

Cheapest Non-Owner Companies for SR-22 in Minnesota

If you’re looking for the cheapest non-owner car insurance companies for SR-22 in Minnesota, you have come to the right place. 

SR-22 filers have to pay an average of $942 annually to buy non-owner car insurance in Minnesota. Every company offers different prices, and the most affordable option for SR-22 non-owner insurance is State Farm, which charges $474 annually. The next cheapest option on the list is USAA, which costs on average $708 annually. However, this company only serves retired and active military personnel and their families. 

CompanyAverage Annual Rate
State Farm$474
USAA $708
Progressive $1,358

We calculated non-owner car insurance rates in Minnesota for drivers with DUI records looking to buy a policy that covers $50,000 in bodily injury liability per person, $50,000 in property damage liability per accident, and $100,000 in bodily injury liability per accident. 

Companies with Cheapest Auto Insurance Rates for Minnesota Drivers 

Even within Minnesota, car insurance rates can differ by thousands of dollars for a policy. 

If you’re wondering who has the best SR-22 insurance rates, first compare quotes from different carriers and then determine whether you are getting minimum coverage or full auto coverage in Minnesota. 

The table below shows the companies with the cheapest Minnesota car insurance rates. 

CompanyAverage Annual Rate
State Farm$424
American Family $551
Allstate $1,009
Auto Owners  $1,580

*USAA offers policies to active and retired military personnel and their families only.


We hope that you now have a complete understanding of the SR-22 certificate in Minnesota and know how to get one. If you’re a high-risk driver with multiple traffic violations on your driving record, you will need to get in touch with your insurance carrier to file for an SR-22 in Minnesota. If you’re shopping for SR-22 insurance in Minnesota, you will need to compare rates and find the option that best suits your needs. 


What Minnesota Drivers Need an SR-22?

Drivers in Minnesota who have committed a serious driving offense or a traffic violation, such as collecting multiple tickets or a DUI, need to get SR-22 insurance. It’s a form filed by your insurance provider that ensures your auto insurance coverage complies with the state minimum liability requirements.

How Can I Get an SR-22 Certificate in Minnesota?

If you’re looking to get an SR-22 certificate in Minnesota, you will have to request your insurance carrier for one. Your provider will be the one to file the form on your behalf with the state. If your insurance company doesn’t provide this service, you will need to shop around for the carrier that will help you get an SR-22 in Minnesota.

Is SR-22 Coverage Expensive in Minnesota?

SR-22 coverage in Minnesota can be expensive. Even though the filing fee for the form isn’t too big, repeated traffic violations increase your auto insurance premiums. For example, drivers with no violations only pay around $711 per year for their auto insurance policy. On the other hand, a similar policy for a driver with an SR-22 is twice more expensive, costing around $1,460 per year.

Who Has the Cheapest SR-22 Insurance in Minnesota?

There are many options available to drivers who are shopping for SR-22 insurance in Minnesota. The company that offers the cheapest SR-22 insurance policy in Minnesota is State Farm. You will pay around $670 annually for SR-22 insurance with State Farm. 

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