Cheapest SR-22 Car Insurance in Minnesota

West Bend, Western National and State Farm offer the cheapest SR-22 insurance in Minnesota at $46 monthly for minimum coverage, 51% lower than the state average of $94. American Family is the most affordable for full coverage at $87.

Auto-Owners offers Minnesota's cheapest non-owner SR-22 insurance at $26 monthly or $310 annually. If you need minimum coverage but don't own a car, consider non-owner insurance. 

The table below shows providers offering non-owner SR-22 insurance and their average minimum coverage costs.

The average cost of car insurance in Minnesota for drivers with an SR-22 is $1,131 annually for minimum coverage — about 95% more than the $579 average for drivers with clean records.

For full coverage, SR-22 drivers pay around $2,290 per year, while clean-record drivers pay about $1,285, marking a 78% increase.

Having an SR-22 form doesn't raise your insurance rate by itself. The cost depends on your violation. The table below compares the price of SR-22 insurance for common violations across age groups in the table below.

An SR-22 is a document showing you have car insurance that meets the state's minimum coverage requirements. Drivers with certain violations must file an SR-22 to get their license back. Insurers consider these drivers high-risk, which often raises their premiums.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't an insurance policy. It's a certification your insurer files to show state officials you have enough insurance to meet Minnesota's Financial Responsibility law requirements.

Minnesota requires drivers with serious traffic violations to have an SR-22 for three years. This form proves you meet the state's minimum coverage. To comply with SR-22 laws in Minnesota, you must meet these requirements:

• $30,000 personal injury liability per person
• $60,000 personal injury liability per accident
• $10,000 property damage liability per accident
• $25,000 underinsured/uninsured motorist coverage per person
• $50,000 underinsured/uninsured motorist coverage per accident
• $40,000 personal injury protection per person

In Minnesota, SR-22 certificates are usually required for three years.

Along with using an SR-22 for three years to comply with Minnesota's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Minnesota during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, keep your SR-22 coverage active throughout the required period. If you don't have coverage, get an SR-22 insurance quote. Finding insurance with an SR-22 can be tougher than for drivers with clean records, as insurers might cancel or deny coverage when you file.

High-risk drivers in Minnesota might find fewer companies offering coverage, leading to higher premiums. When getting an SR-22 insurance quote, check with your insurer for the exact fee if you're filing for the first time. Use the following tips to find cheaper SR-22 insurance:

Non-owner insurance covers those who drive frequently but don’t own a vehicle. It protects you if you cause an accident while driving someone else’s car. These policies are ideal for frequent car renters or rideshare drivers. They cover third-party injuries and property damage. 

Non-owner insurance is often more affordable than standard policies. To find the best rates, compare quotes from different insurers. After purchasing a non-owner policy, your insurer can file an SR-22 form to meet state requirements. Once the required three-year period ends, your license may be reinstated.

Minnesota drivers with major offenses need an SR-22 to show they have minimum coverage. For serious or repeat offenses, you must keep it for three years. Even though SR-22 insurance costs more, cheap car insurance providers in Minnesota are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Minnesota:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Minnesota drivers of various profiles and needs.

Minnesota Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Minnesota's minimum coverage requirements, with the following limits:

• $30,000 personal injury liability per person
• $60,000 personal injury liability per accident
• $10,000 property damage liability per accident
• $25,000 underinsured/uninsured motorist coverage per person
• $50,000 underinsured/uninsured motorist coverage per accident
• $40,000 personal injury protection (PIP) per person

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.