SR-22 in Minnesota: What You Need to Know

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  • Is it required?
  • Who needs one?
  • Moving to a state requiring an SR-22
  • License suspension and MN insurance
  • Cheap car insurance
Minnesota does not require SR-22 filings. 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 SR-22 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:
Drivers that don’t meet Minnesota’s mandated 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

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 go up significantly when you buy coverage upon reinstatement.
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.

How to find cheap car insurance with Jerry

Finding a good deal on car insurance is possible for every driver, even ones deemed high-risk by their insurer. With Jerry, finding a great car insurance policy at an affordable rate is easier than ever.
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