UltraCar Insurance works with top insurance companies to offer low rates on Minnesota SR22 insurance. In as little as 20 minutes, we can issue and file your certificate with the Minnesota Department of Motor Vehicles. Our licensed agents are ready to help you obtain your SR22 certificate to get back on the road quickly.
There are several reasons that people must carry Minnesota SR22 insurance, from getting excessive tickets to violation of DUI laws. Maintaining the proper amount of auto liability insurance the state requires is crucial. If caught driving without it, you’ll face suspension of your driver’s license, requiring you to obtain Minnesota SR22 insurance to reinstate driving privileges. When you purchase SR22 insurance, your insurance provider files the certificate with the Minnesota Department of Public Safety (DPS) on your behalf. The company that issues your policy monitors your filing status to ensure you remain covered the entire time. If your policy lapses, your insurance provider must file an SR26 form with the state, immediately suspending your driving privileges.
Minnesota SR22 Insurance & Non-Owner Insurance
There are two types of SR22 insurance in Minnesota – owner or non-owner – that you must maintain for up to five years. An SR22 owner policy is for drivers who own a vehicle. It is a certificate of financial responsibility in the form of a rider or endorsement attached to an individual’s primary insurance policy, allowing the driver to reinstate their license. A non-owner SR22 policy enables drivers who don’t own a vehicle to reinstate a suspended license.
A non-owner policy does not insure a particular vehicle. Instead, it covers the policyholder while driving a car another driver owns. A non-owner SR22 policy only covers the occasional use of a borrowed vehicle and will not cover one you can drive frequently. It also does not cover household, rental, or commercial vehicles. SR22 non-owner insurance is secondary liability-only insurance. Suppose the policyholder is involved in an at-fault accident. In that case, the SR22 non-owner policy pays any claims that may remain after the vehicle owner’s insurance has paid up to its policy limits. Please find more information on our Minnesota Non Owners Insurance page.
Minnesota Minimum Liability Insurance Requirement
Below is the minimum required liability insurance coverage, but you can purchase increased coverage.
- $30,000 bodily injury per accident
- $60,000 bodily injury liability for all injuries in an accident
- $10,000 in property damage in one accident
Minnesota DMV
You’ll find more details related to license reinstatement requirements on these pages of the Minnesota DPS website:
UltraCar Insurance in Minnesota
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