Cheapest SR-22 Car Insurance in Minnesota (August 2024)

An SR-22 is not a type of car insurance but a certificate proving you meet Minnesota's minimum coverage requirements after certain driving violations. It's filed by you or your insurer, and while the SR-22 form itself doesn't affect rates, the violations leading to its requirement can raise your premiums noticeably.

For drivers needing SR-22, the two most affordable companies are Western National at an annual rate of $510 and State Farm with a yearly premium of $559. These rates reflect the cost-effective options available for minimum coverage auto insurance.

When it comes to non-owner car insurance for those requiring an SR-22, the two cheapest options are Auto-Owners at $310 per year and State Farm at $449 annually. These rates offer a financial reprieve for drivers who need to file an SR-22 without owning a vehicle.

The cheapest companies for minimum coverage SR-22 car insurance in Minnesota are:

• Western National: $43 per month, $510 per year
• State Farm: $47 per month, $559 per year

The least expensive providers for full coverage SR-22 insurance in Minnesota are:

• American Family: $87 per month, $1,050 per year
• State Farm: $113 per month, $1,359 per year

After a driving violation, expect to pay more for car insurance because you're seen as a high-risk driver. Yet, affordable cheap SR-22 car insurance is available by comparing quotes from various insurers.

Finding the most affordable provider for SR-22 insurance in Minnesota is crucial. It can make a significant difference in your expenses, so take the time to compare and save.

The companies with the cheapest non-owner SR-22 insurance in Minnesota are:

• Auto-Owners: $26 per month, $310 per year
• State Farm: $37 per month, $449 per year

Non-owner car insurance can fulfill the liability coverage requirements for individuals who do not own a vehicle but need to file an SR-22 due to license suspension, revocation or serious traffic violations. This type of policy ensures that you meet the state minimum coverage requirements even without owning a car.

For non-owner drivers, finding the most affordable insurance provider is crucial. It allows for compliance with legal requirements without overburdening one's finances.

An SR-22 is not insurance, but a form that proves you meet minimum car insurance requirements. In Minnesota, either you or your insurer can file it, typically after serious traffic offenses like DUI. a You must maintain an SR-22 for three years in Minnesota. If your SR-22 is cancelled or lapses, your insurer will notify the Minnesota Department of Public Safety.

An SR-22 verifies you have the following minimum coverage:

• $30,000 for bodily injury liability per person
• $60,000 for bodily injury liability per accident
• $10,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

If you don't own a car, you'll need SR-22 non-owner car insurance instead. Remember, an insurance policy card cannot replace an SR-22 form.

Minnesota drivers who commit serious traffic violations, like DUI or driving without insurance, may need to file an SR-22. This form proves you have minimum coverage auto insurance, which is necessary to keep your driver's license. Generally, this requirement lasts for three years.

If you're facing this situation, your insurer can file the SR-22 on your behalf and will notify the state if your policy is cancelled. Below, we'll introduce the types of convictions that could lead to needing an SR-22.

An SR-22 in Minnesota isn't just about higher rates and limited minimum coverage options. You may face coverage denial or policy termination after filing. Keep your insurance active; any lapse might reset the SR-22 clock. Minnesotans typically need to maintain an SR-22 for three years after a driving offense.

Understanding the SR-22 process is key because failing to file can lead to serious consequences, including legal penalties and loss of driving privileges.

Below is the list of how an SR-22 negatively impacts your car insurance:

The average annual cost of SR-22 insurance in Minnesota for drivers with a DWI is $1,213 for minimum coverage and $2,490 for full coverage. Minnesota drivers with a clean record pay significantly less per year, averaging $794 for minimum coverage and $1,715 for full coverage. Your premiums depend on your driving history.

The SR-22 certificate itself doesn't increase rates; it's the DWI or other serious offenses that do. If you're a repeat offender, your insurer may not renew your policy or may increase your rates at renewal time.

Filing an SR-22 in Minnesota is mandatory after serious traffic violations, including DUI. It's essential for maintaining minimum coverage for three years. Failure to file can result in license suspension. Here are the steps to secure an SR-22 in Minnesota:

If your SR-22 in Minnesota expires, your driving rights will be suspended again. You need this form for serious traffic violations like DUI. To drive legally, you must have minimum coverage insurance. Your insurer will tell the state if your SR-22 stops.

Having a violation on your record, like a DUI, can lead to higher car insurance premiums. For example, a driver aged 30 to 59 with a clean record may pay an annual premium of $557 for state minimum coverage, while the same driver with a DUI could pay $1,126. Despite this increase, it's still possible to find car insurance after a DUI.

Minnesota residents required to file an SR-22 can seek out the most affordable coverage that meets the state's 30/60/10 minimum liability requirement.

Finding affordable SR-22 insurance in Minnesota can be a financial challenge for drivers. Get answers to common questions about securing the cheapest SR-22 car insurance options.