Cheapest SR-22 Car Insurance in Minnesota: 2026 Rates and Requirements

Minnesota uses DWI (Driving While Impaired) terminology rather than DUI, and SR-22 filing runs through the Department of Public Safety, Driver and Vehicle Services (DVS), the two details that distinguish it from most other states in this series. State Farm offers the cheapest SR-22 minimum coverage at $80 per month, $3 below Travelers at $83 per month. Compared to the clean-record average of $45 per month, SR-22 drivers pay $35 more per month, a 78% increase for carrying the filing requirement.

Drivers who only need to meet the SR-22 obligation at the lowest possible monthly payment will find State Farm the most accessible option at $80 per month. Drivers with a financed vehicle who need full coverage car insurance in Minnesota should note that Travelers comes in at $145 per month, $27 less per month than State Farm's $172. Drivers whose credit was also affected should compare rates at car insurance for drivers with bad credit, as credit scoring is permitted in Minnesota and can meaningfully affect SR-22 pricing.

Among violation categories, Westfield offers the lowest SR-22 minimum coverage rate for drivers with other violations at $50 per month. DWI drivers pay the highest rates, averaging $103 per month for state minimum coverage, a $53 per month gap compared to the lowest violation category rate. A DWI on your record warrants a closer look at Minnesota DUI car insurance options and car insurance after a DUI to find the most competitive rates available.

SR-22 rates vary across Minnesota cities, with drivers in smaller markets usually paying less than those in the Twin Cities metro area. State Farm leads as the cheapest SR-22 provider for minimum coverage across multiple Minnesota cities, consistent with its statewide ranking as the lowest-rate carrier at $80 per month for minimum coverage. Drivers in any Minnesota city can compare local options at cheapest car insurance in Minnesota to benchmark SR-22 rates against standard market pricing.

State Farm ranks first for SR-22 affordability in Minnesota, offering the lowest minimum coverage rate at $80 per month, the right fit for drivers who need to reinstate their license at the lowest possible cost. State Farm's wide Minnesota agent network makes it particularly accessible for SR-22 drivers who need in-person support during the reinstatement process.

Travelers ranks second and leads on coverage options, making it the better choice for drivers with a financed vehicle who need more comprehensive protection during their SR-22 period. For a broader look at top-rated carriers, see the best car insurance in Minnesota and best car insurance companies guides to compare SR-22 options against standard market leaders.

Minnesota drivers with a DWI pay an average of $103 per month for state minimum SR-22 coverage, compared to $45 per month for drivers with a clean record, a 129% increase driven by the DWI violation and filing requirement. Other violations carry lower rates: speeding convictions average $57 per month and texting while driving averages $55 per month for state minimum coverage. For a full view of how violations affect pricing, see the average cost of car insurance in Minnesota and use the car insurance calculator Minnesota to estimate your specific rate.

An SR-22 is a certificate of financial responsibility, not an insurance policy, that your insurer files with the Minnesota Department of Public Safety (Driver and Vehicle Services, or DVS) to confirm you carry at least the state minimum liability coverage. Minnesota requires SR-22 filing for three years from the date of conviction. Minnesota doesn't use FR-44; SR-22 is the only financial responsibility certificate required, and the state uses the term DWI (Driving While Impaired) rather than DUI.

A coverage lapse triggers immediate license re-suspension with no grace period. You will need to pay a $30 reinstatement fee through the DVS portal or by mail and file a new SR-22 before your license can be reinstated, and the three-year filing clock restarts from scratch. Drivers with a financed vehicle should review SR-22 insurance requirements with their lender, as full coverage is often required regardless of the SR-22 obligation.

State Farm offers the lowest SR-22 minimum coverage rate in Minnesota at $80 per month, making it the most accessible entry point for drivers who need to reinstate their license. Drivers with a financed vehicle or who want more coverage during their SR-22 period should consider Travelers at $83 per month for minimum coverage or $145 per month for full coverage, as Travelers offers the widest range of coverage options among top-ranked carriers.

Before the three-year SR-22 period ends, confirm your insurer has filed the SR-22 cancellation with the DVS so your record is updated without delay. Once the SR-22 requirement is complete, compare rates at cheapest car insurance in Minnesota to find standard market pricing that reflects your restored driving record.