Updated: October 1, 2026
Advertising & Editorial Disclosure
State Farm provides Minnesota's most affordable DUI coverage at $101 per month, saving you $128 compared to the state average (read more).
After a DUI conviction, you'll need an SR-22 filing in Minnesota. Your insurer handles DMV submission and maintains it for three years (read more).
A DUI remains on your Minnesota record for 10 years, though most insurers only raise rates for three years following conviction (read more).
A DUI conviction raises auto insurance costs by 122% in Minnesota. Drivers with a DUI pay $229 a month, compared with $103 a month for drivers with clean records.
Nationally, a DUI increases costs by 80%, with drivers paying $219 a month versus $122 a month without one. Minnesota's 122% increase is 42 percentage points above the national figure. Quotes for affordable coverage for high-risk drivers can help offset Minnesota's elevated post-DUI rates.
| Minnesota | $103 | $229 |
| National | $122 | $219 |
Learn more: The average cost of car insurance in Minnesota
Auto-Owners ranks as the best overall car insurance provider for DUI drivers in Minnesota, while State Farm offers the cheapest car insurance option, based on MoneyGeek's scoring system. The two providers take different approaches to post-DUI insurance costs.
State Farm charges $101 per month for DUI drivers, which is $128 less than the state average of $229. That adds up to about $1,536 in annual savings, a meaningful difference for drivers already paying elevated premiums.
Auto-Owners earns a 4.61 out of 5 MoneyGeek score by combining affordability, strong customer experience and coverage options. At $146 per month for DUI drivers, it's still well below average while delivering excellent service, with ratings that weigh affordability (60%), customer experience (30%) and coverage options (10%).
| Auto Owners | 4.61 | $146 |
| Travelers | 4.52 | $152 |
| State Farm | 4.43 | $101 |
| Western National Insurance | 4.3 | $142 |
| Allstate | 4 | $208 |
| Westfield Insurance | 3.99 | $170 |
| Farmers | 3.87 | $248 |
| Nationwide | 3.77 | $260 |
| North Star Insurance | 3.56 | $282 |
| Geico | 3.46 | $364 |
| AAA | 3.41 | $387 |
Insurance companies don't offer rebates for maintaining a DUI-free record. Facebook ads claiming cash back or special discounts for clean driving histories are scams designed to steal your information. Drivers without DUIs pay lower rates. That's standard pricing based on risk assessment, not a special program.
Insurance premiums rise after a DUI. Other expenses add up quickly too.
Drivers convicted of a DUI in Minnesota can lower their car insurance costs several ways.
If you've had a DUI in Minnesota, you'll likely want more coverage than the bare minimum. What you actually need depends on your income, where you live and how much you drive. Try an auto insurance coverage needs calculator to find a coverage level that works for you and still satisfies Minnesota's requirements.
What you pay for insurance in Minnesota depends on your location, driving history and any DUI convictions. You won't find a discount specifically for having a DUI, but some insurers offer savings for getting a quote online or paying in full. Taking a state-approved defensive driving course is also worth considering, since it can bring your rate down too.
Request quotes from a handful of companies, making sure you're comparing the same coverage limits each time. The more insurers you check, the better your chances of finding a good rate, and insurers that focus on high-risk coverage often have better prices for DUI drivers specifically.
A DUI can make some insurers refuse to cover you. When that happens, there's still an option: the Minnesota Automobile Insurance Plan, administered by the Minnesota Department of Commerce for drivers who can't get a standard policy. If you've been denied coverage, contact the program yourself to get set up.
In Minnesota, your credit history affects your car insurance rate too. Poor credit combined with a DUI means you'll pay more than drivers with stronger scores. If you're looking to save, consider a lower-cost, dependable used car, which can also reduce your premium.
If you drive under 7,000 miles a year, pay-per-mile insurance could save you money. Many insurers also offer usage-based programs that reward safe driving through telematics. Automaker-backed insurance can sometimes cost less than a traditional policy, especially if you're in Minneapolis or Duluth.
Most Minnesota drivers pay higher premiums for three years after a DUI conviction. The violation stays on your driving record for 10 years. The exact timeline depends on your insurer and overall driving history.
A clean record costs Minnesota drivers an average of $103 per month. After a DUI, the cost increases to about $229 per month. This 122% increase means drivers with a DUI will have difficulty finding cheap rates, adding roughly $1,512 to their annual costs. Comparing quotes across insurers remains the most reliable way to find better rates during this period.
Minnesota requires an SR-22 filing after a DUI conviction. This proves you carry the state's minimum liability coverage of 30/60/10. Read more about insurance costs after a DUI in Minnesota.
Minnesota requires an SR-22 filing after a DUI conviction. Your insurance company submits this form to the state DMV to confirm you're carrying active liability coverage, and it must stay on file for three years from your license reinstatement date. You'll need to carry at least the state's minimum liability limits: $30,000 for bodily injury per person, $60,000 per accident and $10,000 for property damage. If your coverage lapses or gets canceled during this period, your insurer notifies the DMV immediately and your license can be suspended again.
We provide answers to common questions about DUI insurance costs, rate increases and affordable coverage in Minnesota.
Minnesota drivers with a DUI pay the lowest rates with State Farm, Western National Insurance and Auto-Owners, making them the most affordable options in the state.
A DUI increases car insurance rates by 122% in Minnesota, more than doubling your costs. Drivers with a DUI pay $229 per month for full coverage compared to $103 for those with clean records.
MoneyGeek examined records from state insurance departments and Quadrant Information Services to find the best providers for drivers with DUIs. We reviewed each company's financial stability, customer satisfaction, claims handling and affordability across the state.
Pricing shown reflects a 40-year-old male with both a clean driving record and a DUI conviction insuring a 2012 Toyota Camry LE driven 12,000 miles annually. We created variations of this base profile to generate additional rate comparisons.
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
