Minimum Coverage Requirements in Minnesota
Minnesota operates under a no-fault insurance system, which means your Personal Injury Protection (PIP) coverage pays your medical bills regardless of who caused the accident. The state minimum is 30/60/10—$30,000 per person for bodily injury, $60,000 per accident, and $10,000 for property damage—plus $40,000 in PIP and $25,000 in uninsured motorist coverage. After a DWLS conviction, the Minnesota Department of Public Safety almost universally requires SR-22 filing, and your original suspension period is extended by the additional DWLS penalty period.
Meeting the state minimum keeps you legal. See whether it's enough — get your Minnesota quote.
Get your Minnesota quoteHow Much Does Car Insurance Cost in Minnesota?
Minnesota DWLS convictions trigger some of the steepest insurance increases in the Midwest because carriers treat driving while suspended as a higher-risk indicator than the original suspension cause. Your premium depends on whether the DWLS was a misdemeanor or gross misdemeanor, your original suspension reason, and how many prior violations appear on your record.
What Affects Your Rate
- DWLS misdemeanor vs. gross misdemeanor classification—gross misdemeanor convictions (typically involving a DUI-related suspension or prior DWLS) increase premiums 15-25% over first-offense misdemeanor DWLS.
- Original suspension cause—DWLS after a DUI suspension generates higher premiums than DWLS after a failure-to-pay suspension because carriers view alcohol-related offenses as the highest-risk category.
- SR-22 filing duration—extended filing periods of 4 to 5 years cost more annually in filing fees ($25–$50 per year) and prevent you from accessing standard-market carriers until the requirement ends.
- Geographic rating territory—Minneapolis and St. Paul urban core zip codes add 10-18% to DWLS premiums due to higher accident frequency and uninsured motorist rates compared to Greater Minnesota.
- Vehicle age and value—older vehicles with liability-only coverage cost less to insure, but carriers may require collision coverage if you financed the vehicle or owe money on a title loan.
- Payment plan structure—monthly payment plans after a DWLS conviction typically include 8-12% annual service fees; 6-month prepay policies avoid service fees but require upfront capital.
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Get Your Free QuoteCoverage Types
SR-22 After DWLS Conviction
SR-22 is proof-of-insurance filing required by Minnesota after nearly all DWLS convictions. Your carrier files it electronically with the Department of Public Safety, and the filing period is extended 1 to 2 years beyond your original cause requirement.
Non-Owner SR-22 Insurance
Non-owner SR-22 provides liability coverage when you don't own a vehicle but need to maintain SR-22 filing status. It covers you when driving borrowed or rental vehicles but does not cover a vehicle you own or regularly use.
High-Risk Auto Insurance
Non-standard carriers specialize in drivers with DWLS convictions, multiple violations, or DUI history. These policies cost significantly more than standard market rates but are often the only option available immediately after conviction.
Personal Injury Protection (PIP)
Minnesota's no-fault system requires PIP coverage that pays your medical bills and lost wages regardless of who caused the accident. The state minimum is $40,000 in combined medical and non-medical benefits.
Uninsured Motorist Coverage
Covers your injuries when hit by a driver with no insurance or insufficient coverage. Minnesota requires $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage.
