Minnesota requires all drivers to carry minimum liability insurance coverage to operate a motor vehicle. If you drive without insurance, the state will suspend your license. To reinstate it, you must buy SR22 insurance Minnesota. In addition to uninsured driving, the state may require SR22 insurance for the following offenses or circumstances:
- Refusal to consent to a DUI or DWI test
- DUI or DWI offenses
- Uninsured auto accidents
- Multiple driving offenses (too many points)
- Child support
- Legal judgments
How does Minnesota SR22 insurance work?
SR22 insurance in Minnesota is high-risk insurance. This certificate (financial responsibility form) is an endorsement to your auto insurance policy. It can have liability-only or full coverage. You’ll purchase the SR22 insurance certificate from a licensed provider, such as UltraCar Insurance. Your insurance agent files it with the Minnesota Department of Public Safety, which then allows reinstatement of your license.
The insurance company that issues your SR22 policy monitors it to ensure you keep it in force for the time the state assigns. In most cases, the state requires drivers to carry SR22 insurance in Minnesota for three years. If you let your policy lapse, your insurance provider files an SR26 form with the Minnesota DMV. The state will suspend your license again, and you’ll have to repeat the process to regain your driving privileges.
Non owner SR22 in Minnesota
What if you don’t have a car but need SR22 insurance? In this case, you’ll buy a Minnesota Non-Owners Insurance policy with an SR22 endorsement.
Related Articles
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- Cheap Affordable SR22 Insurance
- Non Owner SR22 vs SR22 Insurance
The Minnesota DPS website (Driver and Vehicle Services) provides valuable links to help you reinstate your suspended or revoked driver’s license.
UltraCar Insurance specializes in providing SR22 insurance. Count on us for fast quotes and quick filing of your certificate. We’ll find you the lowest possible rate for SR22 insurance Minnesota. Talk with one of our licensed agents or click the button to start an online quote today!
This article was last updated on August 15th, 2024 by UltraCar Insurance
