Cheapest SR-22 Car Insurance in Minnesota (2023)

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.

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:

• State Farm: $862 per year
• American Family: $988 per year

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.

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.

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

• Auto-Owners: $310 per year
• State Farm: $449 per year

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.

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.

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.

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:

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.

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.

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.