Updated May 2026
Minimum Coverage Requirements in Minnesota
Minnesota operates under a no-fault insurance system, which means your Personal Injury Protection (PIP) coverage pays your medical bills regardless of who caused the accident. The state requires proof of insurance at registration and after any DUI conviction triggering license revocation. Minnesota Department of Public Safety issues a B-card (restricted license) after DUI conviction if you meet ignition interlock and SR-22 filing requirements.
How Much Does Car Insurance Cost in Minnesota?
Minnesota DUI convictions trigger immediate high-risk classification, with premiums increasing 60–120 percent depending on BAC level at arrest. First-offense DUI with BAC under 0.15 carries lower surcharges than aggravated DUI (0.16+) or refusal cases, and second-offense DUI typically doubles the premium increase.
What Affects Your Rate
- BAC level at arrest — first-offense DUI with BAC 0.08–0.14 adds 60–80% to premiums, while aggravated DUI (0.16+) adds 100–140% based on Minnesota Department of Public Safety risk classification.
- Violation history — a clean record before the DUI keeps you in Tier 2 high-risk, but a second DUI or prior at-fault accidents move you to Tier 3 non-standard with premiums running $400–$600/mo.
- Vehicle type — sedans and economy cars cost $40–$60/mo less to insure than trucks or SUVs for post-DUI drivers in Minnesota due to lower comprehensive and collision base rates.
- Zip code — Minneapolis and St. Paul urban cores add $30–$50/mo compared to outstate Minnesota due to theft rates and uninsured driver density above 12 percent.
- Ignition interlock device — Minnesota requires IID for all DUI convictions, adding $120–$180/mo in lease and calibration costs on top of the SR-22 premium increase.
- Carrier choice — Progressive, The General, and Direct Auto write high-risk SR-22 policies in Minnesota with rate spreads exceeding $80/mo for identical coverage; comparing 4–5 carriers cuts total cost by 20–35 percent.
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B-Card Restricted License
Minnesota's B-card allows driving to work, school, ignition interlock service appointments, DUI programs, and medical appointments during the license revocation period. Requires SR-22 filing and ignition interlock installation before issuance.
Non-Owner SR-22
Non-owner SR-22 policies provide liability coverage and SR-22 filing without requiring vehicle ownership. Necessary for post-DUI drivers who lost their vehicle to impound or sale and need to maintain B-card eligibility.
Ignition Interlock Insurance
All DUI convictions in Minnesota require ignition interlock device installation for the duration of the B-card period. The device adds installation, monthly lease, and calibration costs to the SR-22 premium increase.
Second-Offense DUI SR-22
Second-offense DUI in Minnesota triggers longer license revocation (minimum 1 year), extended SR-22 filing (3–5 years), mandatory IID, and Tier 3 non-standard insurance classification with premiums often exceeding $400/mo.
DUI Program Completion Insurance
Minnesota requires DUI offenders to complete a chemical dependency evaluation and any recommended treatment before B-card issuance. SR-22 filing must remain active during program completion to maintain eligibility.
Find Your City in Minnesota
Sources
- Minnesota Department of Public Safety — B-Card restricted license requirements and SR-22 filing rules
- Minnesota Department of Commerce — minimum liability insurance requirements and no-fault PIP mandates
- National Association of Insurance Commissioners — Auto Insurance Database Report