Cheapest SR-22 Car Insurance In Minnesota 2026
In Minnesota, SR-22 insurance from Westbend starts at $600 annually, providing budget-friendly liability-only coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
Need inexpensive SR-22 insurance in Minnesota? You’re not alone in this struggle. Several insurers increase rates by 25% to 100% or decline coverage entirely. Through extensive research, I’ve pinpointed the most affordable SR-22 providers to help you save money.
With my background in insurance, I’ll break down costs, coverage options, and strategies to lower premiums, ensuring you find the right policy without overspending.
What Is SR-22 Insurance?
SR-22 insurance is a certificate that proves you carry the minimum auto insurance coverage required by your state, rather than being an insurance policy. Your insurance provider files this document with the DMV to certify your coverage.
Why Is SR-22 Insurance Required?
Drivers are required to carry SR-22 insurance after committing offenses like:
- Driving under the influence (DUI/DWI)
- Operating a vehicle without insurance
- Reckless driving violations
- Accumulating several traffic tickets quickly
- Causing an accident while uninsured
- Having their driver’s license revoked or suspended
Most states require SR-22 for about three years. Failure to maintain coverage can result in additional penalties.
Example Scenario: Why You Might Need An SR-22
James was caught driving without insurance, resulting in an accident. Consequently, the state now requires him to file an SR-22 to prove he has proper coverage before reinstating his license. His insurance premiums have increased, and he must maintain SR-22 insurance for three years to retain his driving privileges.
What Is SR-22a Insurance?
SR-22a is a modified version of the SR-22 certificate, mandated in certain states like Missouri, Georgia, and Texas, specifically for drivers who have frequent traffic violations or financial responsibility lapses.
| Feature | SR-22 Insurance | Sr-22a Insurance |
| Purpose | For drivers with a single serious violation (DUI, reckless driving, uninsured accident) | For drivers with multiple financial responsibility violations |
| States Required | Most states allow SR-22 | Typically required in Missouri, Georgia, and Texas |
| Premium Payment | Monthly payments allowed | Must prepay six months of premiums upfront |
| Strictness | Standard proof of insurance | Stricter enforcement for high-risk drivers |
| Non-Compliance Consequences | License suspension if coverage lapses | Immediate suspension with no grace period if coverage lapses |
Who Needs SR-22a Insurance?
An SR-22a may be needed if:
- You have been cited multiple times for driving without insurance.
- You have committed repeated or major traffic offenses.
- You previously failed to maintain an SR-22 or did not meet insurance obligations.
How To Get SR-22a Insurance?
- Find an insurer that covers SR-22a policies – Not every provider offers this, so you’ll need to compare options.
- Prepay for six months – Unlike standard SR-22 coverage, this is a requirement for SR-22a.
- Your insurance company files the SR-22a with the DMV – Once approved, your driving rights will be restored.
- Keep your policy active – A lapse resets the filing requirement and could result in penalties.
Penalties For Not Maintaining SR-22a
Immediate license suspension can occur if you fail to maintain your SR-22a policy, possibly requiring you to start the filing period over.
Cheapest SR-22 Insurance Companies In Idaho
South Carolina drivers needing budget-friendly SR-22 insurance for liability coverage should check out these three options:
- Western National: $615 per year
- Westbend: $600 per year
- State Farm: $620 per year
Premiums vary based on personal circumstances.
Cheapest SR-22 Insurance Policies With A DUI (Liability Only)
| Company | Annual Premium |
| Western National | $615 |
| American Family | $650 |
| Iowa Farm Bureau | $1,080 |
| State Farm | $620 |
| Auto-Owners | $1,200 |
| Allstate | $1,220 |
| Westbend | $600 |
| Travelers | $960 |
| Geico | $2,964 |
| AAA | $2,640 |
Cheapest SR-22 Insurance With Full Coverage
Looking for the cheapest full coverage SR-22 insurance? These three insurers provide competitive pricing for policies that include both collision and comprehensive:
- Westbend – $1,416 per year
- American Family – $1,080 per year
- State Farm – $1,420 per year
Cheapest SR-22 Insurance Policies With A DUI (Full Coverage)
| Company | Annual Premium |
| Western National | $1,680 |
| American Family | $1,080 |
| Iowa Farm Bureau | $2,064 |
| State Farm | $1,420 |
| Allstate | $2,280 |
| Auto-Owners | $2,050 |
| Travelers | $1,920 |
| Westbend | $1,416 |
| Geico | $6,480 |
| AAA | $3,533 |
Factors that influence SR-22 insurance rates in South Carolina include:
- Traffic history – DUIs, reckless driving, or repeated infractions can drive up costs.
- Insurer selection – Some companies cater to high-risk drivers and offer better prices.
- Location – Living in an area with frequent accidents often results in higher premiums.
- Coverage level – Full coverage costs more but offers enhanced financial security.
Cheapest Non-Owner SR-22 Insurance Companies In Minnesota
A non-owner SR-22 insurance policy is necessary if you need an SR-22 but don’t own a car. It ensures compliance with state laws and keeps your driving privileges intact. This coverage is best for people who frequently rent or borrow cars. The most affordable non-owner SR-22 insurance options in South Carolina are:
- Auto-Owners – $315 per year
- State Farm – $452 per year
- Travelers – $760 per year
Below is a breakdown of the most affordable choices.
| Company | Annual Premium |
| Auto-Owners | $315 |
| State Farm | $452 |
| Geico | $860 |
| Travelers | $760 |
| Progressive | $1,140 |
What Is Non-Owner SR-22 Insurance?
- If you need an SR-22 but don’t own a car, a non-owner SR-22 policy provides the required liability coverage.
- Covers injuries and damage you cause while driving a rental or borrowed car.
- Does NOT pay for repairs to the vehicle—only third-party liability.
- Cheaper than standard SR-22 insurance because vehicle coverage is not included.
Who Needs Non-Owner SR-22 Insurance?
A non-owner SR-22 policy could be necessary if:
- You must file an SR-22 to restore your suspended license.
- You have a DUI/DWI conviction but do not own a car.
- You rent or borrow vehicles often and need liability protection.
Insider Tip: Prices for insurance can vary based on your driving history, location, and the policies of your insurer. For the most competitive rates, compare quotes from multiple providers and see if you qualify for discounts such as safe driver incentives or multi-policy savings.
Average Cost Of SR-22 Insurance In Minnesota
The price of SR-22 insurance in Minnesota varies according to the seriousness of your driving violation. DUIs, at-fault accidents, and speeding tickets can significantly increase your insurance premiums. Below is a comparison of average SR-22 insurance costs for different violations:
| Violation | Annual Premium (Liability Only) | Annual Premium (Full Coverage) |
| DUI | $1,099 | $2,276 |
| At-Fault Accident | $800 | $1,730 |
| Minor Violation | $700 | $1,520 |
How SR-22 Affects Car Insurance Rates
If you find yourself needing an SR-22, expect a noticeable increase in your car insurance premiums, primarily due to the underlying offense—like a DUI or reckless driving—rather than the SR-22 itself. Typically, drivers experience an average increase of $993 per year after filing for an SR-22.
Here’s a basic breakdown of how these violations impact car insurance rates.
| Violation | Annual Premium Increase | Additional Fees |
| DUI | $1,000-$3,000 | $15-$25 SR-22 filing fee |
| At-Fault Accident | $500-$1,500 | $15-$25 |
| Driving Without Insurance | $600-$1,800 | $15-$25 |
| Reckless Driving | $800-$2,500+ | $15-$25 |
How To File An SR-22
Ensure compliance with Minnesota regulations by following these steps to file an SR-22.
Find An Insurance Company That Offers SR-22 Coverage
Verify with your current insurer about SR-22 filings; if unavailable, compare rates from insurers that specialize in covering high-risk drivers.
Purchase A Minimum Coverage Auto Insurance Policy
Before you can file an SR-22 in Minnesota, you need to have the state’s minimum liability coverage. Your insurance carrier will include the SR-22 form in your policy.
Pay The SR-22 Filing Fee
Your insurer will levy a one-time filing fee, typically ranging from $15 to $25, for forwarding the SR-22 form to the South Carolina DMV.
Wait For The DMV To Process Your SR-22
Processing your SR-22 form usually takes about 7 to 10 business days at the DMV. To confirm its approval, check your driving record online or contact the DMV.
Maintain Continuous Coverage For The Required Period
In Minnesota, you’re usually required to have an SR-22 for three years. It’s important not to let your insurance lapse during this time. If your coverage is canceled, your insurance company must inform the DMV, which can lead to your license being suspended.
Request SR-22 Removal Once Your Requirement Ends
Once three years have passed, request that your insurance company remove the SR-22 requirement from your policy. This may lead to lower premiums, as insurance rates for high-risk drivers often decrease after the SR-22 is no longer mandated.
Writer’s Recommendation: If your current insurer doesn’t offer SR-22 coverage, consider non-standard insurance companies that cater to high-risk drivers, such as Dairyland, The General, or Bristol West.
How Long Do I Need To Have SR-22 Insurance?
The period for which an SR-22 is required differs by state. In Minnesota, it’s mandatory for at least three years, and could be extended to five years depending on the situation. Even if you relocate from the state, you must still adhere to this requirement.
What Can Affect How Long You Need An SR-22?
Your SR-22 filing duration is based on the severity of your violation. Common timeframes include:
- DUI or DWI: Usually 3 to 5 years.
- Reckless driving: Typically 2 to 3 years.
- Operating a vehicle without insurance: Often 1 to 3 years.
- Multiple offenses: Varies by state, but generally about 3 years.
What Happens If You Let SR-22 Coverage Lapse?
Letting your SR-22 lapse too soon requires your insurance provider to report it to the DMV, which may lead to:
- Losing your driving privileges
- Restarting the required SR-22 period
- Higher car insurance rates
Other Effects Of SR-22 Insurance
When you file an SR-22, it’s not just about insurance rates; it can also impact your ability to drive legally, your financial options, and even your career prospects. Here’s what you should consider:
1. Increased Insurance Costs
An SR-22 often results in a steep rise in car insurance premiums.
- DUI convictions: Costs can multiply by two or three.
- Multiple traffic offenses: Expect at least a 50% increase.
- Reckless driving: Higher insurance prices for 3-5 years.
2. Limited Insurance Options
SR-22 filings aren’t universally offered by insurance companies. High-risk drivers could be denied coverage by some insurers and have to look for non-standard providers who usually charge higher premiums.
3. Risk Of License Suspension
Letting your SR-22 lapse or failing to file it can result in an immediate loss of your driving privileges. To restore them, you’ll need to:
- Settle unpaid fines
- Renew your SR-22 policy
- Show active insurance proof to the DMV
4. Potential Loss Of Car Registration
Certain states will suspend your car registration if you don’t keep your insurance active, preventing plate renewal and legal driving.
Example: In California, failure to maintain an SR-22 results in registration suspension until insurance documentation is provided.
5. Employment Consequences
An SR-22 could restrict employment in professions that require a good driving history, such as:
- Truck drivers (CDL holders)
- Rideshare drivers (Uber, Lyft)
- Food or package delivery services
Employers often see an SR-22 as a liability and may avoid hiring drivers with one.
6. Restrictions On Leasing Or Financing A Car
Vehicle financing requires a driving record check. If an SR-22 is on file:
- Interest rates could go up.
- Lenders may refuse to approve your loan.
- Lease agreements might be discontinued.
SR-22 Insurance State Requirements
SR-22 requirements vary across states. For example, Delaware, Kentucky, New Mexico, New York, North Carolina, and Oklahoma do not mandate SR-22 filings. Conversely, states like Florida and Virginia may require both SR-22 and FR-22 forms for offenses such as DUIs or DWIs.
| State | Alternative Form | When It’s Required |
| Florida & Virginia | FR-22 | For DUIs or reckless driving |
| Indiana | SR-50 | To verify past insurance coverage |
| Arkansas | SR-21 | Proof of insurance after an accident |
Breakdown of Insurance Filings:
- SR-22 – Ensures future coverage compliance.
- SR-50 – Demonstrates prior insurance coverage.
- FR-22 – Applies stricter liability rules in Florida and Virginia.
How Much Does Credit Score Affect SR-22 Insurance Costs
The cost of car insurance heavily depends on your credit score, especially if you have an SR-22. Insurance companies use credit-based insurance scores to forecast claim likelihood. Lower scores mean higher risk and increased premiums.
How Credit Score Impacts SR-22 Insurance Costs In Minnesota
Insurance Rate Factors:
- A poor credit score results in a 72% rate hike on average.
- An SR-22 filing leads to an additional 18% increase.
- A driver dealing with both could face double the insurance costs compared to someone with good credit and no SR-22.
| Credit Score | Average SR-22 Annual Premium | % Increase |
| Excellent (750+) | $961 | – |
| Good (700 – 749) | $1,132 | +18% |
| Fair (650 – 699) | $1,472 | +53% |
| Poor (600 -649) | $1,839 | +91% |
| Very Poor (below 600) | $2,225 | +131% |
Alternatives To SR-22
States with SR-22 requirements must be complied with, but others use different financial responsibility forms. Below, discover alternative options to SR-22 and their state-specific applicability.
Can You Get Car Insurance Without An SR-22?
If a DUI or reckless driving conviction has resulted in an SR-22 requirement, consider these potential solutions:
- State High-Risk Insurance Programs: Assigned Risk Plans (ARP) help high-risk drivers find insurance. These don’t eliminate SR-22 requirements but provide necessary coverage.
- Non-Owner SR-22 Insurance: If you don’t own a car, this policy might be cheaper than traditional SR-22 auto insurance.
- Avoiding Insurance for Now: If you can hold off on driving, waiting until your SR-22 obligation ends could save money.
How To Get Cheaper Car Insurance In Minnesota After A DUI
After a DUI, your insurance rates may increase significantly, but you can take steps to lower costs. Get quotes from different insurance providers to find a better deal. Look into discounts, like completing a defensive driving class or bundling your policies. Avoiding further traffic violations is crucial—DUI-related increases last 3-5 years, but safe driving can help reduce your premiums over time.
Our Methodology
To determine the best SR-22 insurance rates, we evaluated quotes for high-risk drivers, such as those with DUIs or reckless driving offenses. A sample quote for a 30-year-old male with average credit and a 2017 Toyota Camry LE included:
$50,000 per person / $100,000 per accident for bodily injury
$50,000 property damage coverage per accident
Uninsured/Underinsured Motorist: $50,000 per person / $100,000 per accident
$500 deductibles for comprehensive and collision coverage
Your final rate will depend on personal factors like driving history, location, and prior insurance records.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Do you need SR-22 insurance if you don’t have a car?
Yes, you might still require SR-22 insurance even if you’re carless. If you need SR-22 due to a driving offense, obtaining a non-owner SR-22 policy is crucial.
How do you get rid of SR-22?
Getting rid of SR-22 insurance involves maintaining continuous coverage for the duration specified by your state. After this timeframe and when SR-22 is no longer necessary, you can request your insurance company to remove it from your policy.
How much does SR-22 cost?
SR-22 insurance pricing is influenced by your state, driving record, and insurer. Generally, there’s a one-time filing fee of $15 to $25, plus a rise in insurance rates.
About Cara Carlone
Cara Carlone is a Chartered Property Casualty Underwriter (CPCU) with 20+ years of experience in underwriting, portfolio management, and competitive analysis. She has led underwriting strategy at LOOP and produced market research at Amica Insurance. She now applies her deep industry expertise to create clear, accurate, and consumer-focused insurance content for Insuranceopedia. In her free time, she enjoys baking, reading, and listening to podcasts.