SR-22 Insurance in Minnesota
When Minnesota requires an SR-22 (or similar) certificate of insurance, how long you must keep it, and what happens if it lapses.
Short answer: Before a driver's license or vehicle registration revoked for driving without insurance can be reinstated, the person must file with the Commissioner of Public Safety a written certificate from an insurer authorized in Minnesota stating that the required insurance has been provided. Minn. Stat. §169.797, subd. 4(f)
| SR-22 filing | Before a driver's license or vehicle registration revoked for driving without insurance can be reinstated, the person must file with the Commissioner of Public Safety a written certificate from an insurer authorized in Minnesota stating that the required insurance has been provided. Source: Minn. Stat. §169.797, subd. 4(f) |
|---|---|
| Driving without insurance | Driving, or as an owner allowing operation of, a vehicle without required insurance is a misdemeanor (a gross misdemeanor for a third offense within ten years, or if the uninsured driver causes an accident resulting in death or substantial bodily harm), with a mandatory fine of at least $200. Failing to produce proof of insurance on demand is also a misdemeanor. On conviction, the driver's license is revoked for up to 12 months, and if the driver is also the owner, the vehicle's registration is revoked for up to 12 months. The Commissioner of Public Safety may also revoke registration and suspend the license based on department records showing no insurance. |
More Minnesota car insurance & vehicle laws
- Minimum Car Insurance in Minnesota
- Driving Without Insurance in Minnesota
- When a Car Is a Total Loss in Minnesota
- Transferring a Car Title in Minnesota
- All Minnesota car insurance & vehicle laws rules
FAQ
When do you need an SR-22 in Minnesota, and for how long?
Before a driver's license or vehicle registration revoked for driving without insurance can be reinstated, the person must file with the Commissioner of Public Safety a written certificate from an insurer authorized in Minnesota stating that the required insurance has been provided.
What is the penalty for driving without insurance in Minnesota?
Driving, or as an owner allowing operation of, a vehicle without required insurance is a misdemeanor (a gross misdemeanor for a third offense within ten years, or if the uninsured driver causes an accident resulting in death or substantial bodily harm), with a mandatory fine of at least $200. Failing to produce proof of insurance on demand is also a misdemeanor. On conviction, the driver's license is revoked for up to 12 months, and if the driver is also the owner, the vehicle's registration is revoked for up to 12 months. The Commissioner of Public Safety may also revoke registration and suspend the license based on department records showing no insurance.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.