McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Chubb has the cheapest insurance in Minnesota for drivers who have committed SR-22-type violations, charging an average of $459 per year. Minnesota is one of 12 states that do not require high-risk drivers to file an SR-22 form as proof of insurance.
Even though drivers in Minnesota are not required to file an SR-22, coverage can still be a lot more expensive than average for risky drivers. For example, drivers in Minnesota can expect to pay an average of more for car insurance after actions like DUI, driving with a suspended license or reckless driving.
Cheapest Insurance Companies in Minnesota After Serious Violations
Company | Average Premium After DUI | Average Premium After Reckless Driving |
$459 per year | $459 per year | |
$500 per year | $500 per year | |
$543 per year | $543 per year | |
$710 per year | $565 per year | |
$721 per year | $903 per year |
Note: Premiums are for a 45-year-old driver in Minnesota. Individual premiums will vary.
Fortunately, the increase in premiums after a serious offense is only temporary. If you practice safe driving habits moving forward, you should see your premiums begin to go down.
To learn more, check out WalletHub's guides to SR-22 insurance and the cheapest car insurance companies.
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To find out if you still need an SR-22, contact your local DMV office and ask if your SR-22 form has been filed for the required period of time. If it has, you can then contact your car insurance company and request that they remove your SR-22 filing with the state. Each state has its own requirements, but you usually only need an SR-22 for about three years.
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