Minnesota does not require high-risk drivers to file SR-22 forms. Instead, after a conviction for a serious driving violation, you’ll need to provide Minnesota’s Department of Public Safety with proof of insurance—or, an Insurance Certification Form—to have your driver’s license reinstated.

If you’ve been deemed a high-risk driver, your car insurance premiums will rise—but that doesn’t mean your insurance costs need to rise out of control.

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Keep reading to learn more about the state's SR-22 laws and the easiest way to find

cheap car insurance in Minnesota:

Minnesota doesn’t require SR-22 coverage

Indeed, Minnesota is one of a handful of states that doesn’t require an SR-22 certificate to reinstate your driver’s license after

revocation or suspension

due to a serious traffic offense. Instead, you’ll need to fill out and submit an Insurance Certification Form to the state’s Department of Public Safety to prove that you meet the state’s minimum liability requirements.

As a no-fault state, all drivers in Minnesota are required to carry

liability coverage

. The state’s mandated minimum insurance requirements are as follows:

$30,000 for bodily injury per person

$60,000 for bodily injury per accident

$10,000 for property damage coverage per accident

$40,000 for

personal injury protection (PIP)

$25,000 for

uninsured/underinsured motorist

per person

$50,000 for uninsured/underinsured motorist protection per accident

Drivers that don’t meet

Minnesota’s liability requirements

can face severe fines and penalties, including having their license suspended.

Key Takeaway Your license can be suspended in Minnesota if you don’t maintain liability insurance consistent with the state’s mandatory minimum requirements.

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Who needs SR-22 in Minnesota?

Drivers don’t need an SR-22 form in Minnesota if their license is suspended, but they will need to submit an Insurance Certification Form when applying to reinstate their license. Suspensions are likely to occur if you’ve been convicted of the following driving violations:

DUI or DWI

Driving without insurance

Reckless driving

MORE:

What is a DUI?

Moving to a state requiring an SR-22

If you’ve been convicted of a major driving offense in Minnesota, but subsequently had your license reinstated, you may need to file an SR-22 form if you move to a state that requires it following a severe driving conviction.

In this case, you’ll need to find an insurance provider in your new state that will

file an SR-22 form

on your behalf, as your Minnesota insurer will not do this for you.

Key Takeaway If you’ve been convicted of a serious driving violation in Minnesota and you’re moving to a new state, make sure you find an insurer in your new state to file an SR-22 form for you.

How a license suspension impacts your insurance in Minnesota

If you are convicted of a serious driving violation in Minnesota, and your license is subsequently suspended or revoked, your

insurance rate will increase significantly

Your premiums may remain high for an extended period, but cleaning up your driving habits and keeping an unblemished driving record will go a long way to decreasing your insurance rate over time.

Even though you’ll be faced with higher premiums upon reinstatement, it's always a good idea to shop around for insurance to find the best rate.

Key Takeaway Be prepared to pay higher rates than you would with standard car insurance if your license is being reinstated after a major driving violation.

MORE:

Tips to get a clean driving record

How to find cheap car insurance with Jerry

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