Official Minnesota Guide

Minnesota SR-22 Insurance

A complete roadmap to satisfying Minnesota DPS requirements. Compare rates, understand no-fault limits, and get your license reinstated today.

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Min. Liability

30/60/10

$30k BI / $60k Total / $10k PD

Mandate Term

3 Years

Standard from date of reinstatement

Filing Fee

~$15 - $25

One-time administrative cost

How Minnesota SR-22 Filing Works

In Minnesota, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Minnesota Driver and Vehicle Services (DVS). Because Minnesota is a 'No-Fault' state, your SR-22 policy must meet both the liability minimums and mandatory Personal Injury Protection (PIP) requirements.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license by the DVS and may reset your 3-year filing period.

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Who Needs to File in MN?

DWI Conviction: Driving While Intoxicated (DWI) convictions are the primary reason for an SR-22 mandate.
Driving Without Insurance: Being caught operating a vehicle without valid liability coverage.
Uninsured Accident: Involvement in an accident resulting in injury or property damage while uninsured.
License Revocation: Any administrative or court-ordered revocation requiring proof of financial responsibility for reinstatement.

Don't Own a Car in Minnesota?

You can still get reinstated! A Minnesota Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow or rent. It satisfies the Minnesota DVS requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The MN Reinstatement Timeline

Check Eligibility

Access the Minnesota DVS online portal to verify your license status and specific restoration requirements.

Secure SR-22

Purchase a policy with 30/60/10 limits and mandatory PIP. Your carrier will electronically transmit the certificate to the DVS in St. Paul.

Pay Reinstatement Fee

Pay the mandatory fees (typically $30, or up to $680 for DWI) online or via mail to clear the administrative hold.

Status Valid

Once the SR-22 is logged and the fee is processed, your driving privileges are officially restored in the state system.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Minnesota:

First Offense

Immediate License Withdrawal

Court Fines

Up to $1,000 + Court Costs

SR-22 Period

3-Year Clock Resets

Legal Risk

Potential Misdemeanor Charges

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Minnesota Filing FAQs

How much is the filing fee in Minnesota?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the Minnesota DVS. This is separate from your monthly premium.

Can I drive out of state with a MN SR-22?

Yes. Your Minnesota SR-22 is valid nationwide. You must maintain the Minnesota-specific limits (30/60/10) to remain compliant with state law.

What is the difference between SR-22 and normal insurance?

An SR-22 is not insurance itself; it is a certificate of financial responsibility attached to your policy that notifies the DVS if your coverage lapses.

Can I get a Non-Owner policy in MN?

Yes, Minnesota allows Non-Owner SR-22 filings. It is often the most cost-effective way to restore your license if you do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. Minnesota law requires insurers to notify the DVS immediately (via SR-26) if your policy lapses, which triggers an instant automatic suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, contact the Minnesota DVS to confirm the requirement is fulfilled. You can then instruct your insurer to remove the filing.

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