If a state or court recently required you to get an SR-22, you might start looking for cheap SR-22 insurance in Minnesota. If so, you should know one important thing: Minnesota SR-22 insurance doesn’t actually exist, and Minnesota doesn’t use SR-22s.

Compare rates and save on auto insurance today!

Close X
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age
Location-Icon

Save on auto insurance with quotes from trusted providers like:

Progressive

Drivers switch & save an average of $750+/year

Liberty Mutual

Are you overpaying for auto insurance?

Allstate

Safe drivers choose Allstate®

Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See more providers in
Choose from insurers in

SR-22s or similar equivalents are administered by all states except Delaware, Kentucky, Minnesota, New Mexico and Oklahoma

The form is only required for “at-risk” drivers to verify that they have and will continue to have car insurance. An SR-22, therefore, is not a type of insurance by itself, and some states call these forms something different. But no matter which form you’re requested to have, you’ll need to meet your state’s requirements.

What is “SR-22 insurance?”

An SR-22 is a requirement from either a court or state mandating that a driver have minimum liability insurance coverage for his or her car.

If you already have an insurance policy, all you have to do is ask your insurance provider to send a completed SR-22 on your behalf to the state. In Minnesota, this form is known as an insurance certification rather than an SR-22.

If you don’t have insurance, you must find an insurance provider that is willing to insure a driver with an SR-22 requirement. You may have issues with smaller providers, but most national providers will have options for you, so you should still be able to find the best car insurance for your situation.

SR-22 Minnesota alternatives

If you’ve been ordered to get insurance certification, you don’t have any alternatives. If you wish to continue to drive and keep your license, you must comply and have your insurance provider send the form to the Minnesota Driver and Vehicle Services.

There may be confusion around this topic because there are other forms in the U.S. that are quite similar to an SR-22. Which one a judge or DMV orders you to have depends on both past and recent convictions.

Form States issued Required insurance minimums
SR-22 All states except: Delaware, Kentucky, Minnesota, New Mexico, Oklahoma Standard liability
SR-19 California, Texas Standard liability
SR-21 Florida, Georgia, Indiana Standard liability
SR-22A Georgia, Texas, Missouri Standard liability, but 6 months of insurance must be prepaid.
FR-44 Florida, Virginia Double liability
SR-50 Indiana Standard liability
  • SR-19: Two states currently use SR-19s, but the requirements are different. In California, an SR-19 is sent to the DMV by an injured party saying the at-fault driver does not have insurance so the injured party can receive uninsured motorist coverage from his or her provider. In Texas, it is a legally binding payment agreement between an at-fault driver without insurance and an injured party.
  • SR-21: This is used as verification that you had insurance before an accident that resulted in either bodily injury, death, or property damage that exceeded $1,000.
  • SR-22A: Like an SR-22, an SR-22A is verification that a driver has car insurance. Unlike an SR-22, an SR-22A requires that a driver prepay for car insurance 6 months at a time.
  • FR-44: An FR-44 is used to show financial responsibility, and is often required after a DUI. With an FR-44, the driver must often pay double liability. For example, in Virginia a standard minimum policy is a 25/50/25 policy. With an FR-44 requirement, the minimum a driver must have to legally drive would be a 50/100/50 policy.
  • SR-50: Shows financial responsibility within the state of Indiana and is often required after a driver has had too many at-fault accidents or has been convicted of a DWI after a moving violation.

Non-owner SR-22

If you have an SR-22 requirement with another state, you must continue to fulfill that requirement even if you now live in Minnesota. This is also true even if you no longer own your own vehicle. Luckily, you can get a non-owner policy with an insurance provider and this will satisfy your original state’s DMV.

A non-owner policy is cheaper than a regular policy because you are not insuring a car. This is a good option if you frequently rent or borrow someone else’s car.

SR-22A in Minnesota

A SR-22A is very similar to an SR-22. The difference is that drivers with this requirement on record have either been convicted of multiple DWIs, or have recently been caught driving under the influence. Rather than revoke the driver’s license altogether, however, a judge is allowing them to still drive if they can prepay for 6 months of insurance.

SR-22 Minnesota insurance costs

The cost for an insurance company to send a policy verification is around $15-35. This is a one time filing fee.

Keep in mind that whatever reason prompted the insurance certification is going to raise the cost of your premium. Long lapses between policies or a DUI will significantly increase what you pay. However, if your driving record is relatively clean, Progressive states that the national average increase for an SR-22 (or similar requirement) is only 5%.

FAQ

How long do I need an SR22 in Minnesota?

Minnesota does not require SR-22s, but the average length of time other states require an SR-22 is three years (though some states do go up to 5). Even if you moved to Minnesota from the original state that administered it, you must still fulfill the original requirement. If you don’t, your license and vehicle registration will be revoked.

How do I get SR22 insurance in Minnesota?

If you already have insurance, you simply need to call your provider and ask it to send verification to the state’s DMV that mandated the SR-22.

If you don’t have insurance, you will need to find a provider willing to insure a driver in need of an SR-22 or its equivalent. Most national providers are able to do this. Small, local providers may not, so call first before going through an application. (Read: The Best Car Insurance Companies for 2021)

How much does SR22 insurance cost in Minnesota?

The filing fee should only be between $15 and $35. The reason behind the SR-22 mandate will cost you more, however. DUIs, numerous at-fault accidents, as well as DWIs will increase what you pay compared to other drivers.

What happens if my provider cancels my policy while an SR22 is in effect?

Your license and registration will be revoked unless you are able to find another provider.

What does Minnesota have instead of an SR22 requirement?

Minnesota does not have a formal SR-22, but it does have an online form that must be completed by an insurance provider should you be required to provide proof of insurance.

The form can be found online here.