Minnesota SR-22 and car insurance quotes
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No car? Many drivers file their SR-22 with a non-owner policy. Ask the agent about a non-owner SR-22. Non-owner car insurance →Yes, RealAgentQuotes covers ALL of Minnesota
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How SR-22 and proof of insurance work in Minnesota
An SR-22 isn't a type of insurance. It's a certificate an insurance company files to prove you carry at least a state's minimum coverage, and Minnesota doesn't use it for its own suspensions, even after a DUI (called DWI in Minnesota). Instead, Driver and Vehicle Services (DVS), part of the Minnesota Department of Public Safety, requires proof of insurance, such as its own insurance certificate, before it reinstates a license or registration revoked for driving without insurance or for not showing proof of insurance. Drivers who get a limited license after a no-insurance revocation, or who use the ignition interlock program to drive again after a DWI, must also show proof of insurance. DVS says to keep that insurance for one calendar year.
- An authorized representative of your insurance company, not the agent, fills out Minnesota's Insurance Certification form for DVS
- Keep the policy active the whole time. If coverage isn't kept up, DVS can suspend your license and revoke your vehicle registration until a new insurance certificate is on file
- If another state requires an SR-22, for example after a suspension there or because you moved from a state that requires one, a licensed agent can still file it and explain your options
Minnesota minimum car insurance
Minnesota is a no-fault state. It requires at least $30,000 for injuries per person, $60,000 per accident and $10,000 for property damage, often written as 30/60/10. Car owners' policies must also include $40,000 of personal injury protection (PIP), with $20,000 for medical expenses and $20,000 for other losses like lost income, plus uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident each. A policy behind a DVS insurance certificate has to meet at least these limits.
No car? Non-owner insurance in Minnesota
If you don't own a car, DVS says you can meet its insurance certificate requirement by being named as a driver on someone else's policy or by buying a non-owner's or operator's policy, which covers your liability when you drive a car you don't own. Ask the agent whether it fits your situation.
Learn about non-owner car insurance →SR-22 and car insurance across Minnesota
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Minnesota SR-22 questions
Who needs an SR-22 in Minnesota?
Minnesota doesn't use the SR-22 for its own suspensions or revocations, not even after a DWI. It uses its own insurance certificate instead. DVS requires proof of insurance before it reinstates a license or registration revoked for driving without insurance or for not showing proof of insurance, and from drivers who get a limited license after a no-insurance revocation or use the ignition interlock program after a DWI. If another state requires an SR-22, a licensed agent can still file it. If you aren't sure, check the notice DVS mailed you or ask a licensed agent.
How long do I need proof of insurance in Minnesota?
DVS's Insurance Certification form says the insurance must be kept for one calendar year. If another state requires an SR-22, that state sets its own time. If you aren't sure of your dates, ask DVS.
What happens if my insurance lapses in Minnesota?
Driving without insurance is a crime in Minnesota, and DVS can suspend your license and revoke your vehicle registration when its records show you didn't keep coverage. Getting them back can take a new insurance certificate. Line up new coverage before you switch companies.
Can I meet Minnesota's insurance requirement without a car?
Yes. DVS says you can be named as a driver on someone else's policy or buy a non-owner's or operator's policy. A licensed agent can quote one.
Sources: Minnesota DVS: Insurance Certification form (PS35016) · Minnesota Statutes 65B.49: minimum limits
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