SR22 insurance in Minnesota is necessary for drivers who need to prove they have obtained adequate auto insurance after an issue resulting from an accident or other driving violation. Knowing how to get SR22 insurance if you need it will help save you time and frustration. Find out below who needs SR22 insurance and what that might mean for you. The SR22 form in Minnesota, which is locally called the Insurance Certification, must be received by Driver and Vehicle Services (DVS) of the Department of Public Safety (DPS) in St. Paul.

The DVS requires all drivers to have adequate insurance coverage and to attest to that coverage whenever a vehicle is registered or renewed. If you are ordered to submit your SR22 proof, it is because you did not hold the necessary insurance coverage and must obtain it in order to reinstate your driver’s license and driving privileges. Find out all the details you need to know below.

What is Minnesota SR22 insurance?

Minnesota SR22 insurance serves as proof that you carry the minimum auto insurance required of all drivers licensed in the state. While SR-22 rates will undoubtedly increase your general insurance costs, you should always try to shop around with various insurance providers if you require this additional certification of insurance.

SR22 insurance quotes can differ and the company you currently use might not be the best company to use with this additional requirement. If you had no insurance, then certainly shop around before obtaining your year-long policy, which is the basic requirement if you need an SR22 form.

Who needs SR22 insurance in Minnesota?

Knowing who needs SR22 insurance in Minnesota can help you to relieve any driving restrictions on your license. If you have committed a qualified violation or otherwise are required to provide a certificate of insurance to the state. Then, you must talk to your insurance company to ensure you meet the SR22 requirements.

Your proof of insurance must show that you have all the minimum coverage required of Minnesota drivers, which includes all of the following insurance minimums:

  • Personal Injury Protection (PIP): Covers you if you are injured in an accident, paying you or your family members for medical expenses, lost wages, and replacement services. This is called no-fault coverage because you are covered regardless of who is at fault in the accident. You must carry the following minimum coverage:
    • $40,000 per person per accident ($20,000 for hospital/medical expenses and $20,000 for non-medical expenses such as lost wages, replacement services, etc.)
  • Liability: Covers you when you are at fault in an accident or in causing damage to another person’s vehicle. You must carry the following minimum coverage:
    • $30,000 for injuries to one person
    • $60,000 for injuries to two or more people
    • $10,000 for physical damage to the other driver’s vehicle or for damage to property
  • Underinsured: Covers medical claims made by anyone under your policy. If another driver is at fault in an accident, your PIP coverage and underinsured coverage will pay for medical expenses if the other driver’s insurance is insufficient. You must carry the following minimum coverage:
    • $25,000 for injuries to one person
    • $50,000 for injuries to two or more people
  • Uninsured: Covers medical expenses if another driver is considered to be at fault in an accident but is not covered by insurance. Once you have used all of your PIP coverage, your uninsured coverage takes over. You must carry the following minimum coverage:
    • $25,000 for injuries to one person
    • $50,000 for injuries to two or more people

Reinstating Driving Privileges With SR22 in Minnesota

If your driving privileges have been suspended or revoked due to your lack of insurance, your SR22 insurance will help to reinstate your driver’s license. Before reinstatement, you must dutifully submit the SR22 form Minnesota requires to the Commissioner of Public Safety at the DVS office in St. Paul.

If you do not own a vehicle, your SR22 insurance form requirement can be substituted with being a named driver on another existing insurance policy or by purchasing a specific non-owner’s or non-operator’s insurance policy. An insurance company should be able to assist you with this request. Your Insurance Certification must vouch for your new insurance policy being set for at least one calendar year.

Driving without insurance is illegal in Minnesota, and it is considered to be a misdemeanor offense. To reinstate your license, you must file the SR22 insurance certification form with DVS and pay the required fines.

In the event that you violate the insurance requirement three or more times within 10 years, it is considered to be a gross misdemeanor and you might have your license revoked for up to 12 months. If your name should be on multiple vehicles’ insurance policies, the Commissioner of Public Safety might require your proof for each vehicle.

How to Get SR22 Insurance in Minnesota

To file the SR22 form in Minnesota, which is locally called a certificate of insurance or Insurance Certification, you must obtain the form from DVS and have an authorized representative of your insurance company sign to attest to your level of insurance coverage for at least the next calendar year.

If you do not have an insurance policy already, reach out to local insurance companies to shop around for the best prices available. If you already have an insurance policy, you should ask your current insurance provider about the certificate of insurance and about any additional costs now that you have had the incident requiring that SR22 proof.

Penalties for Not Filing an SR22 Form in Minnesota

Failing to file an SR22 in Minnesota, or the Certificate of Insurance, can mean that your suspended or revoked license will not be reinstated. You are required to prove your level of insurance meets the basic requirements set forth by the state in order to legally drive your vehicle in Minnesota, so be sure to file the form as requested.

Being penalized in another state outside of Minnesota does not exempt you from filing your SR22 or other requirements. Minnesota shares information with other Departments of Motor Vehicles, so your other state requirements must be fulfilled in order to maintain good status in Minnesota.

Last updated on Wednesday, October 14 2020.