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Limited Driving Permit Insurance — Minnesota

Minnesota requires 30/60/10 minimum liability coverage ($30,000 per person, $60,000 per accident for bodily injury, $10,000 for property damage). After a DUI conviction, you'll need SR-22 filing for 3 years, ignition interlock device installation, and a Limited License from the Minnesota DVS. Average monthly premiums with SR-22 and IID run $180–$260, depending on your county and violation history.

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

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Updated July 2026

Minimum Coverage Requirements in Minnesota

Minnesota operates under a no-fault insurance system, meaning your own Personal Injury Protection (PIP) coverage pays your medical bills regardless of who caused the accident. All drivers must carry proof of insurance and meet the state's 30/60/10 liability minimums. After a DUI conviction, the Minnesota Department of Public Safety requires SR-22 filing for 3 years, ignition interlock device installation, and Limited License application through the Minnesota Driver and Vehicle Services (DVS).

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$30,000 per person / $60,000 per accident
Bodily Injury Liability
Pays for injuries you cause to other people in an accident. Minnesota's 30/60 minimums are among the lowest in the nation — one serious injury can exceed $30,000 in a single emergency room visit. If you're filing SR-22 after a DUI, underinsured motorist claims against you expose you to civil judgment beyond these limits. Most carriers writing SR-22 policies in Minnesota recommend at least 100/300 limits to avoid personal asset exposure.
$10,000
Property Damage Liability
Covers damage you cause to another person's vehicle or property. Minnesota's $10,000 minimum is the lowest property damage requirement in the Midwest — the average vehicle repair after a moderate collision runs $8,000 to $12,000, meaning the state minimum leaves you personally liable in most accidents. SR-22 filers face non-renewal if they carry only state minimums and file a claim that exceeds limits.
$40,000 per person (with $20,000 medical expense sub-limit)
Personal Injury Protection (PIP)
Pays your own medical bills and lost wages regardless of fault under Minnesota's no-fault system. The $20,000 medical expense sub-limit covers less than two days in a hospital ICU. PIP also covers funeral expenses up to $2,000 and replacement services (childcare, lawn care) up to $200/week. If you reject PIP in writing at policy inception, you can opt out — but verbal rejection doesn't count, and the coverage is added automatically if the rejection form isn't completed.
$25,000 per person / $50,000 per accident (must be offered; can be rejected in writing)
Uninsured Motorist Coverage
Protects you when you're hit by a driver with no insurance. Minnesota carriers must offer UM coverage at least equal to your liability limits, but you can reject it in writing. Approximately 12% of Minnesota drivers are uninsured, one of the highest rates in the upper Midwest. If you're operating on a Limited License with SR-22 filing, UM rejection is rarely advised — your own coverage options narrow after a violation, and uninsured claims leave you with no recovery path.
Filed with Minnesota DVS for 3 years
SR-22 Certificate of Financial Responsibility
SR-22 is not insurance — it's a continuous electronic filing your carrier submits to the Minnesota DVS proving you carry at least state minimums. Required after DUI, license suspension, or certain repeat violations. The filing itself costs $25–$50, but the premium impact runs 60–110% above standard rates depending on the violation. If your policy lapses or cancels, the carrier notifies DVS immediately and your Limited License is suspended within 10 days. Non-owner SR-22 policies are available if you don't own a vehicle but need the filing to reinstate your license.
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.

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How Much Does Car Insurance Cost in Minnesota?

Minnesota SR-22 insurance premiums reflect no-fault PIP requirements, harsh winter claim patterns, and the state's strict DUI enforcement. Hennepin and Ramsey counties run 15–20% higher than rural counties due to accident frequency and uninsured motorist rates.

What Affects Your Rate

  • DUI conviction increases premiums 85–125% above standard Minnesota rates for the first 3 years of SR-22 filing.
  • Hennepin County (Minneapolis) averages $210–$290/mo for SR-22 policies due to high theft rates and uninsured motorist frequency.
  • Ignition interlock device adds $75–$125/mo in monitoring fees on top of insurance premiums — not covered by your policy.
  • Winter weather claims (November–March) are 40% higher in Minnesota than national average, raising base rates for all drivers statewide.
  • At-fault accidents during the SR-22 filing period trigger non-renewal with most carriers — second-tier specialist carriers charge 30–50% more than first-tier.
  • Ramsey County (St. Paul) runs 12–18% above state average due to accident density on I-94 and I-35E corridors.
Minimum Coverage
$150–$210/mo
State minimum 30/60/10 liability, required PIP, and SR-22 filing. Covers legal requirements but leaves you personally liable in most accidents. Does not include collision or comprehensive.
Standard Coverage
$200–$280/mo
100/300/50 liability limits, full PIP, uninsured motorist coverage, and SR-22 filing. Adds collision and comprehensive with $1,000 deductible. Recommended tier for most Limited License holders to avoid personal asset exposure and non-renewal risk.
Full Coverage
$260–$360/mo
250/500/100 liability, enhanced PIP limits, uninsured/underinsured motorist at policy limits, collision and comprehensive with $500 deductible, and SR-22 filing. Covers replacement cost for newer vehicles and closes most personal exposure gaps. Required by most lienholders for financed vehicles.

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Coverage Types

SR-22 Insurance for Limited License

Continuous electronic filing proving you carry Minnesota's minimum coverage. Required for 3 years after DUI, certain suspensions, or repeat violations. The filing itself costs $25–$50, but premium impact runs 60–110% above standard rates.

Non-Owner SR-22 Insurance

Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to maintain a Limited License. Covers you when driving borrowed or rental vehicles. Does not cover a vehicle you own or regularly use.

Ignition Interlock Device (IID) Insurance Add-On

Most carriers require you to notify them when an IID is installed. Some policies include IID language automatically; others charge a small administrative fee. The device itself is not covered by insurance — you pay installation and monthly monitoring separately.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage when you're hit by a driver with no insurance. Minnesota has one of the highest uninsured motorist rates in the upper Midwest at approximately 12%. You can reject this coverage in writing, but most Limited License holders should carry it.

Collision Coverage

Pays for damage to your own vehicle after an accident, regardless of fault. Required by lienholders if you're financing a vehicle. Deductibles typically range from $500 to $2,000.

Comprehensive Coverage

Covers non-collision damage to your vehicle: theft, vandalism, hail, deer strikes, and falling objects. Minnesota has high deer collision frequency in rural counties and elevated hail risk in summer months.

Find Your City in Minnesota

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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
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Bloomington

suburban
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Brooklyn Park

suburban
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Plymouth

suburban
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Maple Grove

suburban

Frequently Asked Questions

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