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Car insurance for high risk drivers in Minnesota

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If you are a driver with multiple tickets, at-fault accidents or a DUI, you may have a difficult time finding affordable rates for car insurance. In addition, reckless or high-risk driving in Minnesota could lead to your license being suspended, restricted or revoked. Minnesota high-risk auto insurance is an alternative coverage when traditional vehicle insurance is no longer available or affordable.

High-risk car insurance rates in Minnesota

The cost of your Minnesota vehicle insurance depends on your driving record, vehicle and level of coverage, among other things. Minnesota high-risk auto insurance is generally more expensive than traditional coverage. Insurance premiums are based on risk, and when drivers have accidents, tickets or DUI convictions, carriers view them as more likely to file claims in the future and charge higher premiums to compensate. But not every car insurance company is the same. One insurance carrier may provide affordable insurance for a driver with speeding tickets but increase premiums sharply after an accident or claim.

Rates after a speeding ticket

Speeding tickets could increase your auto insurance rates slightly or significantly, depending on the insurer. There is no formula to determine which insurance company will be cheaper after a speeding ticket. However, Bankrate’s analysis found State Farm, American Family and Auto-Owners to be the most affordable carriers on average.

Car insurance company Minnesota average annual premium for full coverage before a speeding ticket Minnesota average annual premium for full coverage after a speeding ticket % difference
State Farm $1,167 $1,419 22%
American Family $1,176 $1,300 11%
Auto-Owners $1,366 $1,802 32%

If you complete an approved traffic school course after getting a speeding ticket, you may be able to avoid an increase in your insurance rates. The eight-hour course can be completed online or in person.

Rates after an accident

In Minnesota, being held responsible for a car accident will increase your premiums more than a speeding ticket. However, high-risk auto insurance rates in Minnesota vary immensely from one insurance company to the next. For this reason, comparing quotes will help you determine which company offers the most competitive rates for your circumstances.

Car insurance company Minnesota average annual premium for full coverage before an accident Minnesota average annual premium for full coverage after an accident % difference
State Farm $1,167 $1,557 33%
American Family $1,176 $1,718 46%
Auto-Owners $1,366 $1,784 31%

State Farm car insurance may initially appear to be the cheapest coverage for safe drivers, but a single accident could increase your premiums by an average of 33%. Meanwhile, American Family’s rates increase 46%, on average, after an accident. Finally, Auto-Owners rates increase an average of 31% after an accident.

Auto insurance rates after a DUI

Driving under the influence may be the most dangerous risk a driver could take both financially and in terms of safety.

Here’s how getting a DUI in Minnesota can impact auto insurance rates.

Car insurance company Minnesota average annual premium for full coverage before a DUI Minnesota average annual premium for full coverage after a DUI % difference
State Farm $1,167 $1,806 55%
American Family $1,176 $1,796 53%
Auto-Owners $1,366 $2,553 87%

Drivers convicted of a DUI in Minnesota will also need to ask their insurance company to file a certificate of financial responsibility with the DMV to legally drive.

Insurance rates for teen drivers

Adding a teen driver to a car insurance policy in Minnesota can be expensive. Rates for teen drivers in Minnesota are higher than average for teen driver rates in other parts of the country.

Car insurance company Average annual premium for full coverage
State Farm $3,662
American Family $2,390
Auto-Owners $3,562

*16-year-old on their parent’s policy

Getting quotes from multiple carriers is one of the best ways to find the cheapest car insurance.

Who is a high-risk driver?

Insurance companies generally consider drivers with a DUI conviction or with more than one accident or moving violations to be high-risk drivers. High-risk drivers come in all ages and experience levels. Teen drivers, due to their inexperience, are also often considered high-risk.

Unlike many states, Minnesota does not use a license point system to track driving records. Getting tickets, causing accidents or driving under the influence will not put points on your license. However, the state could still suspend your license if you are considered an unsafe driver.

How to lower your rate if you’re a high-risk driver

High-risk drivers often face limited carrier options and costlier premiums. One way to offset the higher premiums is by finding ways to decrease the cost of coverage:

  • Compare multiple carriers to find the most affordable coverage based on your current needs.
  • Use as many discounts as possible. Some examples are multi-line discounts, low-mileage discounts and student driver discounts.
  • Increase your deductible to the highest amount you can afford.

Saving as little as 5-10% on your insurance could translate to hundreds of dollars over time.

Frequently asked questions

What is an SR-22?

An SR-22 is a form filed by your insurance company with the DMV on your behalf. It’s a certificate of financial responsibility that confirms you have the minimum amount of car insurance required to drive. SR-22 forms are simply called “insurance certifications” in Minnesota.

Do I need extra car insurance if I’m a high-risk driver?

All Minnesota drivers are required to have liability insurance with minimums of $30,000 in bodily injury and death per person, $60,000 total per accident and $10,000 in property damage. Uninsured motorist, underinsured motorist, and personal injury protection (PIP) coverages are also required.

How many points do I get in Minnesota if I cause an accident?

Minnesota does not use a point system for drivers licenses. Driving incidents will not cause points to be assessed on your license. The state does, however, still reserve the right to suspend driving privileges if too many tickets, accidents or DUI convictions happen within a designated period of time.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Insurance Editor