Updated March 2026
State Requirements
Minnesota requires minimum liability coverage of 30/60/10: $30,000 per person for bodily injury, $60,000 per accident, and $10,000 for property damage. Drivers convicted of DUI, driving after suspension, or causing an uninsured accident must file SR-22 proof of financial responsibility with the Minnesota Department of Public Safety for 3 years. Non-standard carriers may require higher limits than state minimums to write policies for high-risk drivers. Minnesota is a no-fault state, meaning Personal Injury Protection (PIP) is also mandatory.
Cost Overview
High-risk auto insurance in Minnesota costs substantially more than standard policies due to DUI convictions, SR-22 requirements, at-fault accidents, or license suspensions. Average premiums for drivers with major violations range from $2,400–$5,200 annually, compared to $1,100–$1,600 for clean-record drivers. Rates vary by violation type, age, location, and whether you are assigned to the Minnesota Automobile Assigned Claims Plan (MAACP) for truly hard-to-place risks.
What Affects Your Rate
- Type of violation: DUI penalties are typically higher than at-fault accidents or suspensions
- Time since offense: rates begin to drop after 3–5 years, with steeper declines after 5 years
- Location: Minneapolis and St. Paul drivers pay more due to higher uninsured motorist rates and accident frequency
- Age and experience: drivers under 25 with violations face compounded high-risk surcharges
- Credit score: Minnesota allows insurers to use credit-based insurance scores, which can add 20–40% to high-risk premiums
- Assigned risk pool: drivers placed in the MAACP often pay double or triple standard high-risk rates
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Coverage Options
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Frequently Asked Questions
Sources
- Minnesota Department of Public Safety - Driver and Vehicle Services
- Minnesota Department of Commerce - Insurance Division
- Insurance Information Institute - Uninsured Motorist Data