Work License Insurance
Get a Quote

Minnesota Hardship License & SR-22 Insurance

Minnesota requires SR-22 filing with 30/60/10 minimum liability to reinstate driving privileges after most suspensions. Average SR-22 insurance runs $140–$220/mo depending on violation type, IID requirement, and approved driving hours. Most restricted licenses allow work and medical travel only.

Compare Minnesota Auto Insurance

Non-Standard Auto · SR-22 · Senior · Teen Drivers

Snow-covered winter highway with evergreen trees lining both sides of the clear asphalt road
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant
Updated May 2026

Minimum Coverage Requirements in Minnesota

Minnesota operates as a no-fault state, meaning your own Personal Injury Protection coverage pays medical expenses after an accident regardless of fault. The Minnesota Department of Public Safety Driver and Vehicle Services division requires proof of financial responsibility for license reinstatement after suspension. SR-22 filing certifies continuous coverage to DVS — any lapse triggers immediate re-suspension and restarts the filing clock.

Minnesota cityscape and street view
$30,000 per person / $60,000 per accident
Bodily Injury Liability
Pays injury claims against you when you cause an accident. Minnesota's 30/60 minimum covers less than one week in a trauma center. Most hardship license holders need higher limits because a single at-fault accident while driving on restricted hours can trigger license revocation and extend the underlying suspension period by 12–24 months.
$10,000 per accident
Property Damage Liability
Covers damage you cause to another vehicle or property. The $10,000 minimum barely covers a single modern vehicle — average repair costs for moderate collisions now run $8,000–$12,000. Carriers writing hardship license policies typically require higher limits because restricted drivers represent elevated risk profiles.
$40,000 medical / $20,000 other expenses
Personal Injury Protection
Covers your medical bills and lost wages regardless of fault. Minnesota PIP pays first before health insurance in most cases. You can reject PIP in writing at policy inception, but verbal rejection does not count — the coverage adds automatically if the rejection form is not completed before policy issue.
Must match liability limits unless rejected in writing
Uninsured Motorist Coverage
Pays your injury costs when hit by an uninsured driver. Minnesota requires carriers to offer UM at the same limits as your liability coverage. You must reject it in writing — verbal rejection is not valid. Once rejected at policy inception, you cannot add it mid-term without underwriting review, which most non-standard carriers deny for hardship license holders.
Filed electronically with DVS
SR-22 Certificate of Financial Responsibility
Certifies you maintain continuous coverage at state minimums. The SR-22 itself is not insurance — it is a filing your carrier submits to DVS on your behalf. Filing fee runs $25–$50. Most Minnesota suspensions require 3 years of SR-22, measured from reinstatement date, not suspension date. A single day of lapse cancels the SR-22, DVS suspends your license within 10 days, and the 3-year clock restarts from zero.
State-Mandated Minimum Coverage · Minnesota

Minnesota Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$60,000
Property Damage$10,000

License Reinstatement Fee$30

Meeting the state minimum keeps you legal. See whether it's enough — get your Minnesota quote.

Get your Minnesota quote

How Much Does Car Insurance Cost in Minnesota?

Minnesota SR-22 rates for hardship license holders run 2.5–4 times higher than standard auto insurance because most suspensions involve DUI, multiple violations, or insurance lapses. Carriers price on violation type, IID requirement, restricted hours, and county of residence. Hennepin and Ramsey counties carry 15–25% higher premiums than outstate counties due to claim frequency and uninsured motorist rates.

What Affects Your Rate

  • DUI conviction adds 180–240% to base premium and typically requires IID endorsement for 1–3 years depending on BAC level and prior offenses.
  • Hennepin County residents pay 18–22% more than outstate Minnesota drivers due to higher uninsured motorist rates and claim severity in metro area.
  • Restricted license with work-only approval reduces annual mileage exposure and may qualify for 5–10% mileage discount with select carriers.
  • SR-22 filing duration extends premium surcharge — most carriers reduce rates after 24 months of clean SR-22 history even if filing requirement continues to year 3.
  • Multiple violations within 12 months trigger tier assignment to highest-risk category and eliminate eligibility for standard market for minimum 36 months after reinstatement.
  • IID requirement adds $75–$150/mo for device lease, $15–$30/mo insurance endorsement, and $75–$100 per calibration every 60 days — total annual IID cost often exceeds $1,500.
State Minimum SR-22
$140–$180/mo
30/60/10 liability with SR-22 filing. No physical damage coverage. This tier is available only to drivers who own their vehicle outright — lienholders require comprehensive and collision.
Standard Hardship Coverage
$180–$220/mo
State minimums plus collision and comprehensive with $1,000 deductible. Most carriers require this tier for financed vehicles. IID-equipped vehicles add $15–$30/mo for specialized endorsement covering ignition interlock damage and calibration compliance.
Enhanced Limits
$220–$280/mo
100/300/100 liability with full physical damage and uninsured motorist coverage. Available from select non-standard carriers. Recommended for drivers who cannot afford out-of-pocket exposure — a single at-fault accident on a hardship license often results in permanent revocation.

Compare car insurance rates in your state

Get quotes from licensed carriers — no obligation, no spam, results in minutes.

Get Your Free Quote
✓ No Obligation Required✓ Licensed Carriers Only✓ Available Nationwide✓ Free to Compare

Coverage Types

SR-22 Insurance

Certificate filed by your carrier proving you maintain continuous coverage at Minnesota minimums. Required for most license reinstatements after DUI, multiple violations, or driving without insurance.

Non-Owner SR-22

SR-22 filing for drivers who do not own a vehicle but need to maintain proof of financial responsibility to keep a hardship license valid.

Liability Insurance

Covers injury and property damage you cause to others. Minnesota requires 30/60/10 minimums, but those limits exhaust quickly in serious accidents.

Non-Standard Auto Insurance

Coverage from carriers specializing in high-risk drivers, including those with DUI, suspended licenses, or SR-22 requirements. Underwriting standards allow hardship license and IID endorsements.

Comprehensive Coverage

Pays for vehicle damage from theft, weather, vandalism, or animal strikes. Required by lienholders but optional if you own the vehicle outright.

Collision Coverage

Pays to repair your vehicle after an accident regardless of fault. Required by lienholders and recommended for anyone who cannot replace their vehicle out-of-pocket.

Find Your City in Minnesota

Minneapolis, Minnesota cityscape and street view

Minneapolis

urban
St. Paul, Minnesota cityscape and street view

St. Paul

urban
Rochester, Minnesota cityscape and street view

Rochester

suburban
Duluth, Minnesota cityscape and street view

Duluth

urban
Row of white and beige townhouses with autumn trees on hillside in background

Bloomington

suburban
Aerial view of city skyline with downtown skyscrapers, river, and mixed residential buildings surrounded by trees

Brooklyn Park

suburban
Japanese garden with wooden bridge over pond, surrounded by rocks, plants and pergola structure

Plymouth

suburban
Red stop sign on residential street with white townhouses and green hills in background

Maple Grove

suburban

Frequently Asked Questions

Get Your Free Quote in Minnesota