Minnesota SR-22 Insurance
Minnesota sets liability minimums of 30/60/10, below the 25/50/25 most states use, held for three years. Lower minimums make the policy cheaper to carry, though they also leave you covered for less if you cause a serious crash. Your carrier files the certificate with the Minnesota Driver and Vehicle Services.
- Licensed in Minnesota
- Same-day filing
- Non-owner policies
- Helping drivers since 2016
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.
Who Needs to File in Minnesota?
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.
The Minnesota Reinstatement Timeline
- 01
Check Eligibility
Access the Minnesota DVS online portal to verify your license status and specific restoration requirements.
- 02
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.
- 03
Pay Reinstatement Fee
Pay the mandatory fees (typically $30, or up to $680 for DWI) online or via mail to clear the administrative hold.
- 04
Status Valid
Once the SR-22 is logged and the fee is processed, your driving privileges are officially restored in the state system.
Minnesota against most states
How Minnesota compares with the rest of the country.
| Requirement | Minnesota | Most states |
|---|---|---|
| Minimum liability | 30/60/10 | 25/50/25 |
| Filing period | 3 Years | 3 Years |
The Cost of Non-Compliance
Don't Own a Car in Minnesota?
A non-owner Minnesota SR-22 covers you as a driver of cars you do not own, and it satisfies the same three-year filing at the same 30/60/10 limits. Because it insures no vehicle, it typically costs less than standard coverage.
SR-22 in Minneapolis, St. Paul and the rest of Minnesota
The rule is the state's, so it reads the same in Minneapolis, St. Paul, Rochester, Duluth, Bloomington and Brooklyn Park, and everywhere else in the state. There is no city filing, no city form and no city office that changes it. What changes between drivers is the premium, and that is set against your record rather than your address.
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 Minnesota 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.
- Can I get a Non-Owner policy in Minnesota?
- 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.
- 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.
Questions that are the same in every state, like what happens when a policy lapses, are answered on the SR-22 FAQ. What an SR-22 actually is, and is not, is on the SR-22 explainer.
SR-22 rules in all 50 states
Requirements change at the state line. Minnesota is marked; every other state is one tap away.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
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