Cheapest SR-22 Car Insurance in Minnesota (2024)

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ByMark Fitzpatrick
Edited byMegan Hull
ByMark Fitzpatrick
Edited byMegan Hull

Updated: May 20, 2024

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State Farm stands out as the most economical SR-22 provider in Minnesota for both full and minimum coverage, costing an average of $388 and $862 per year. For drivers without a vehicle, Auto-Owners delivers the most budget-friendly SR-22 car insurance widely available at $310 annually.

Drivers who commit serious driving offenses, such as driving under the influence, are required to file SR-22 forms. While the form itself doesn't directly impact rates, violations mandating an SR-22 typically cause a substantial increase in premiums. Fortunately, affordable car insurance options are available.

MoneyGeek Logo IconCheapest SR-22 InsuranceMinnesota

Cheapest Companies for SR-22 Car Insurance in Minnesota

Why Trust MoneyGeek? Our team obtained data from the Minnesota Commerce Department and Quadrant Information Services to determine the most affordable insurance companies with an SR-22 for various driver profiles.

33,288Quotes Analyzed
15Companies Compared

Cheapest Companies for SR-22 Car Insurance in Minnesota

If you’re seeking low-cost SR-22 car insurance in Minnesota after receiving a DUI, the two most economical options for minimum coverage policies are:

  • State Farm: $388 per year
  • Western National: $457 per year

For full coverage, your cheapest options are:

Insurance premiums often rise following a driving violation, as insurance providers perceive you as a higher risk. Nonetheless, by comparing rates, you can still obtain reasonably priced insurance.

The table below displays the most affordable SR-22 car insurance providers in Minnesota, along with their respective rates. The minimum rate can be a mere $388 per year, while the maximum rate can go up to $4,166.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
Driving Violation:
Driving Violation:DUI
State FarmAnnual Premium$388Monthly Premium$32
Western NationalAnnual Premium$457Monthly Premium$38
American FamilyAnnual Premium$587Monthly Premium$49
West Bend MutualAnnual Premium$614Monthly Premium$51
Farmers Union InsuranceAnnual Premium$747Monthly Premium$62
Auto-Owners Insurance CoAnnual Premium$784Monthly Premium$65
Iowa Farm BureauAnnual Premium$836Monthly Premium$70
WestfieldAnnual Premium$838Monthly Premium$70
NationwideAnnual Premium$896Monthly Premium$75
TravelersAnnual Premium$986Monthly Premium$82

What Is SR-22 in Minnesota?

An SR-22 is a mandated certificate of financial responsibility required for drivers who have committed certain driving violations, such as driving under the influence. Note that an SR-22 is not a type of insurance policy; rather, it is a form that demonstrates proof of insurance to the state.

The duration an SR-22 must be kept on file varies by state. In Minnesota, the filing period typically ranges from one to five years, depending on the severity of the offense. Repeated offenses often result in longer filing periods.

When you need an SR-22, your insurance company will file and complete the form and submit it to Minnesota's Driver and Vehicle Services (DVS) department on your behalf. As a consequence of filing an SR-22, your insurance rates may increase since you’ll be considered a high-risk driver. We recommend comparing quotes from different insurance providers to find the most affordable coverage that meets your needs.

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Upon completion of the terms of your financial responsibility requirement, your insurance company must file a Financial Responsibility Cancellation Form or an SR-26. This notifies the state that your mandatory SR-22 filing period has ended, allowing you to transition back to standard insurance policies and potentially benefit from lower insurance rates.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Minnesota

For those seeking cheap non-owner SR-22 auto insurance in Minnesota, the two most economical providers are:

For members of the military community, USAA presents an appealing coverage alternative, offering competitive annual premiums of around $467 for non-owner SR-22 car insurance.

Drivers who don’t own a vehicle may still be mandated to file an SR-22 after a serious driving offense. Non-owner car insurance may be required in cases where a person’s vehicle has been totaled or confiscated or when reinstating their driver's license.

The following table displays the most affordable car insurance companies for non-owner SR-22 car insurance in Minnesota, along with their respective rates. By comparing the minimum and maximum rates ($310 and $857), you can identify the best option for your needs.

Data filtered by:Results filtered by:
Driving Violation:
Driving Violation:Accident $1000-$1999 Prop Dmg
Auto-Owners Insurance CoAnnual Premium$310Monthly Premium$26
State FarmAnnual Premium$449Monthly Premium$37
TravelersAnnual Premium$754Monthly Premium$63
GEICOAnnual Premium$857Monthly Premium$71
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Non-owner car insurance provides liability coverage for property damage or bodily injury to others when driving a vehicle not owned by the policyholder. This type of insurance is ideal for individuals who frequently rent or borrow cars, participate in ridesharing, drive professionally and are required to file an SR-22 form despite not owning a car. For more information, MoneyGeek put together a resource page for non-owner car insurance options in Minnesota.

Average Cost of SR-22 Car Insurance in Minnesota

In Minnesota, drivers with a DUI record can expect to pay an average annual cost of $969 for minimum coverage and $1,936 for full coverage car insurance. Filing an SR-22 may be required for other offenses, such as speeding or at-fault accidents. A history of traffic violations or accidents can significantly impact your insurance rates, as these offenses suggest a heightened level of risk for the insurer.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
TicketAnnual Premium$610Monthly Premium$51
DUIAnnual Premium$969Monthly Premium$81
CleanAnnual Premium$474Monthly Premium$40
At-Fault AccidentAnnual Premium$697Monthly Premium$58
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It’s possible to secure affordable SR-22 insurance in Minnesota if you compare rates from different providers at each renewal period or annually. By actively exploring your options, you can keep your insurance costs in check and find the most affordable coverage for your needs.

How SR-22 Affects Car Insurance Rates in Minnesota

The act of filing an SR-22 can dramatically increase your car insurance rates. For example, the average cost of minimum coverage insurance is $483 more for drivers with a DUI than for drivers without offenses. The underlying cause of this premium spike is the circumstances that require submitting an SR-22 in the first place. An SR-22 is typically required for drivers with severe driving offenses, signaling a red flag to insurers. The more violations on your record, the more likely you will face increased insurance costs. The driving offenses that require an SR-22 vary from state to state.

Car Insurance Rate Comparison Based on Driving Records in Minnesota

Clean Driving Record

Annual Premium for Minimum Coverage

After a DUI

Annual Premium for Minimum Coverage

Car insurance premiums after a DUI are on average:$483 more

This is 99% more expensive.

Other Effects of SR-22 on Car Insurance in Minnesota

Submitting an SR-22 not only leads to higher premiums but also impacts your car insurance in Minnesota in other ways. These effects include limited coverage options, potential policy cancellation and stricter reinstatement requirements. Here’s a more detailed breakdown of its effects:

Limited number of insurance options

You might have fewer choices when selecting an insurance carrier and policy, as some providers may be hesitant to offer coverage to high-risk drivers.

Possible policy cancellation

An SR-22 filing might lead to the cancellation of your existing car insurance policy, as your insurer may deem you too high-risk to continue coverage.

Length of required filing

The duration of required SR-22 filing varies by state. It generally ranges from one to three years and, in some cases, may extend up to five years, depending on the severity of the offense and state regulations.

Filing fees

When submitting an SR-22, you may need to pay a one-time filing fee, which varies by state. These fees can range from $15 to $50, adding to the overall cost of obtaining and maintaining high-risk insurance.


How to Get SR-22 Insurance in Minnesota

To get insured after a violation, drivers typically need to follow these key steps:

  • Seek out an auto insurance provider that specializes in offering coverage to drivers with violations on their driving records. These companies cater to high-risk drivers and are more likely to provide the necessary coverage.
  • Obtain an insurance policy that meets Minnesota's minimum liability requirements. This is often required by law and ensures that you have adequate coverage in case of an accident or any other incident while driving.
  • Request your chosen insurance company to file an SR-22 form on your behalf. Be prepared to pay any necessary fees associated with the filing, and ensure that the form is kept current throughout the required filing period.

Following each step in this process means maintaining compliance with state regulations and avoiding further complications.

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License reinstatement fees after an SR-22 vary from state to state. In Minnesota, it ranges from $20 to $680, depending on your circumstances. These fees may fluctuate, so it's wise to consult your local DVS for the most up-to-date information on current costs.

How to Get Cheaper Car Insurance in Minnesota After a DUI

After a DUI, insurance premiums typically rise. Fortunately, you can take measures to reduce your SR-22 car insurance costs, such as comparing quotes from multiple providers, completing DUI classes or programs, seeking discounts and driving safely.

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    Compare quotes immediately

    By immediately comparing insurance quotes from various providers, you can identify the most competitive rates after a DUI. This proactive approach enables you to make an informed decision and secure the ideal insurance coverage after a DUI in Minnesota.

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    Complete DUI classes or programs

    DUI programs and classes can reduce the likelihood of future offenses, which may result in lower risk and lower insurance rates. The Minnesota Department of Public Safety (DPS) offers third-party online knowledge testing through authorized testing providers. These tests may involve educating drivers about the consequences of impaired driving and promoting responsible driving behavior.

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    Look for discounts

    While it's true that individuals with a DUI conviction may not be eligible for certain discounts, such as safe- or good-driver incentives, there are still a variety of other discounts. By exploring different options and discussing your situation with your insurance provider, you can uncover potential savings, such as bundling policies, installing anti-theft devices or participating in usage-based programs.

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    Practice safe driving

    Make a conscious effort to prevent any further negative marks on your driving record by adopting safe driving habits. Some practical ways to achieve this include minimizing the distances you drive and opting to use alternative modes of transportation whenever possible.

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    Shop rates over time

    Insurance rates are subject to fluctuations due to various factors, such as changes in the market or adjustments to your personal risk profile. Try to periodically review and compare insurance companies before your policy is up for renewal. By doing so, you can continue to receive the most suitable and cost-effective insurance coverage.

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High-risk drivers may also consider purchasing non-standard auto insurance. This insurance provides a safety net for those who may not meet the criteria for conventional policies. When other options aren’t available, these policies can allow drivers to continue to have protection on the road despite their high-risk status.

Frequently Asked Questions About SR-22 Insurance in Minnesota

MoneyGeek compiled a list of common questions about SR-22 insurance to make obtaining SR-22 insurance in Minnesota easier; you can browse answers to these questions below.

What are the cheapest SR-22 car insurance options in Minnesota?
How much does filing an SR-22 increase car insurance rates, on average?
How long do you need to have an SR-22 in Minnesota?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.