Updated: November 21, 2024
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If you’re looking for the best auto insurance in Minnesota after a DUI conviction, MoneyGeek recommends Auto-Owners for both full and minimum coverage. Drivers looking for the most affordable insurer should consider State Farm for both full coverage and state minimum insurance policies. You can compare pricing for different insurance coverages in the table below.
In Minnesota, following a DUI conviction, State Farm and American Family offer the cheapest full coverage car insurance, with annual costs of $1,057 and $1,059 respectively.
The top two cheapest providers for minimum coverage car insurance in Minnesota after a DUI are State Farm at $670 per year and American Family at $756 per year.
For the best full coverage car insurance provider in Minnesota after a DUI, State Farm stands out with an annual cost of $1,057, offering notable affordability alongside strong customer satisfaction and financial stability scores.
Insurance companies are not legally obligated to cover drivers with DUIs on their records. If they do offer coverage, it will be at a higher rate, because individuals who have been arrested for DUI are regarded as high-risk. After a DUI, your insurance premiums may go up by about 99% in Minnesota.
MoneyGeek's analysis shows that Minnesota drivers convicted of DUI also risk potential jail time and fees and penalties of up to $20,000, in addition to having their driver's license suspended.
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
Based MoneyGeek’s research, Progressive and State Farm offer the most affordable insurance after a DUI in the United States. State Farm and American Family provide the cheapest car insurance for DUI-convicted drivers in Minnesota.
MoneyGeek's study found the following two companies offer the cheapest full coverage insurance for drivers with a DUI in Minnesota:
| 1 | State Farm | $1,057 |
| 2 | American Family | $1,059 |
| 3 | Farmers | $1,320 |
| 4 | USAA | $1,474 |
| 5 | Progressive | $1,844 |
MoneyGeek also found the following companies have the cheapest minimum coverage policies for people convicted of DUI in Minnesota:
| State Farm | $670 |
| American Family | $756 |
| USAA | $795 |
| Farmers | $803 |
| Progressive | $1,202 |
| Country Financial | $1,244 |
| Allstate | $1,317 |
| Auto-Owners Insurance Co | $1,407 |
| Allied | $1,434 |
| GEICO | $2,093 |
| MetLife | $2,181 |
| AAA | $3,577 |
State-mandated minimum insurance will be less expensive, but it may not be enough to protect you in the event of an accident. Personal injury protection and uninsured/underinsured motorist coverage are also mandated by Minnesota law in addition to the state minimum liability coverage. However, we recommend assessing how much coverage you need to fully safeguard yourself and your property before purchasing car insurance in Minnesota.
MoneyGeek rated car insurance companies in Minnesota based on affordability, financial stability and customer satisfaction ratings. Auto-Owners is the best car insurance company for drivers with a DUI in Minnesota who want full coverage plans or state minimum insurance.
Auto-Owners Insurance and State Farm offer the best full coverage options for Minnesota drivers with a DUI conviction. The table below provides more information about these two insurers.
An Auto-Owners full coverage policy costs $1,093 for drivers without a DUI in Minnesota, compared to $2,229 per year for those with a DUI, a rate increase of 104%.
Auto-Owners offers common coverages like roadside assistance and new car replacement and some unique ones, like diminished value coverage. The company offers several discounts, including responsible payment and policy bundling.
State Farm drivers in Minnesota without a DUI pay an annual premium of around $962, whereas those with a DUI pay around $1,057, a 10% increase.
State Farm’s optional coverages include roadside assistance and rideshare insurance. It offers numerous discounts, including a new vehicle discount, an anti-theft device discount and a driver's education discount.
Auto-Owners Insurance and State Farm are Minnesota’s best car insurance providers for those with DUIs who want the state minimum coverage. Note that a minimum coverage policy may not adequately protect you if you have an accident.
If you've been convicted of a DUI in Minnesota, Auto-Owners Insurance's minimum coverage will cost you around $1,407 per year, versus $640 for the same coverage without a DUI, a difference of 104%.
Auto-Owners Insurance offers various common coverages, such as roadside assistance and gap insurance, and a unique diminished value coverage. It offers unique discounts for responsible payment and for bundling life and auto insurance. It also offers common discounts for going paperless and paying in full.
Individuals with a clean driving record who purchase the state's minimum coverage insurance from State Farm will pay roughly $605 per year. Those convicted of a DUI, on the other hand, can expect to pay around 10% more, or $670 each year.
State Farm is the second-best insurer in Minnesota for drivers with a DUI, for minimum coverage insurance, receiving high ratings in a range of categories. It provides common add-on coverages, such as roadside assistance and rental car reimbursement. The insurer may offer you a unique new vehicle discount if you qualify.
After a DUI, the average yearly rate for full coverage car insurance in Minnesota increase by about 99%, costing roughly $2,319 per year. Drivers without a DUI, on the other hand, spend roughly $1,165 per year for the same amount of coverage. MoneyGeek explains how and why your auto insurance costs in Minnesota can change after a DUI conviction.
How long does a DUI affect the cost of your car insurance?
The look-back period refers to how long a DUI remains on a driver's record. During the look-back period, each subsequent DUI carries a heavier punishment. Each state's look-back time is different, and DUIs in Minnesota have a ten-year look-back period.
Full Coverage
$1,165
Full Coverage
$2,319This is 99% more expensive.
Having a DUI on your record can affect your car insurance costs significantly. Insurance companies will label you as a high-risk driver, which increases your premiums. Use the MoneyGeek auto insurance calculator to get a customized quote based on your driving history.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 21, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
In addition to a rise in your insurance premiums, you may expect the following DUI expenses:
Getting car insurance after a DUI in Minnesota can be challenging. Insurance providers are privately held businesses, so they have the legal right to cancel or reject policy renewals of DUI offenders. Individuals convicted of DUI may be rejected by insurers or charged significantly higher prices.
Minnesota’s 10-year look-back period can make obtaining insurance in the state even harder. However, If you do your research and shop around, you can find the best and most affordable insurance company in Minnesota to meet your needs.
Drivers convicted of DUI need to file an SR-22 insurance form in Minnesota. Your insurance company submits this paperwork to the state insurance agency on your behalf as proof that you possess the state's minimum coverage requirements. Minnesota SR-22 insurance has its own fees and may not include the usual insurance discounts.
Driving while under the influence of alcohol or drugs has substantial legal consequences. DUI penalties vary by state but often include license and driving privilege suspensions, fines, fees, prison time and other penalties. MoneyGeek's chart summarizes the many rules and penalties related to getting a DUI in Minnesota.
Driving with a BAC at or above 0.08% is considered a DUI
Blood Alcohol Concentration (BAC) refers to the amount of alcohol in the blood. Driving with a BAC of 0.08% or above is unlawful in Minnesota. Even with a lower BAC, you may get arrested if your driving is impaired.
Driving with a BAC of 0.16% will result in increased penalties
Drivers charged with drunk driving with a BAC of 0.16% or more can only be released from detention if they agree to abstain from alcohol consumption and to have their alcohol levels checked every day.
90-day/month administrative license suspension on first offense
Minnesota police officers may take a driver's license away from someone who fails an alcohol test. The suspension lasts 90 days for the first offense.
Limited driving privileges after 15 days
After 15 days, you may get a restricted license/permit to drive with limited privileges in Minnesota.
Ignition interlocks are highly incentivized for BAC above 0.16% and for repeat convictions
If your BAC is 0.16% or above, an ignition interlock system will be required in Minnesota. The same applies to repeated offenses.
Open container laws
The open bottle legislation in Minnesota forbids both drivers and passengers from consuming or carrying an open bottle of alcohol in a vehicle on a public route, regardless of whether the car is moving.
MoneyGeek provides answers to some of the most common questions about getting car insurance after a DUI in Minnesota.
It's best to consult with your insurance company since they can cancel or refuse to renew your policy if you were convicted of DUI in Minnesota.
In Minnesota, rates often climb by roughly 99% after a DUI. The average yearly cost of full coverage auto insurance in the state is $1,165. Following a DUI conviction, you can expect the rate to increase to around $2,319 per year.
State Farm is the cheapest company in Minnesota for full coverage and state-mandated insurance after a DUI. On the other hand, Auto-Owners Insurance is the best company for both types of insurance.
Because Minnesota has a ten-year look-back period, your auto insurance rates may increase for that time. The actual time, however, will depend on your situation.
Finding the best insurance policy following a DUI may be challenging. We recommend comparing rates to find an insurer that best fits your specific needs.
To determine the top companies for individuals with DUIs in Minnesota, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data and information obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
