Cheap SR22 Insurance in MN
MN SR22 Requirements
Minnesota state law requires that drivers convicted of driving while intoxicated (DWI) offenses to file an SR-22 form along with their insurance. The SR22 must be filed with the state for a period of three (3) years. The SR22 will be filed electronically by your insurance company with the state of Minnesota.
In the state of Minnesota it is illegal to drive a vehicle with a blood alcohol concentration (BAC) of .08 or higher. There are lower limits for drivers of commercial vehicles of .04% and a limit of .02% for drivers under the age of 21. Drivers can also be arrested and convicted of driving while impaired if the law enforcement officer determines that you made driving errors due to alcohol even below the .08% BAC. Penalties for a first-time DWI are as follows:
- Up to 90 days in jail
- A fine up to $1,000
- License suspension for up to 90 days
- License suspension of 180 days if BAC is .20 or higher
- License suspension of 180 days if a passenger under the age of 16 is in vehicle
- An ignition interlock device is possible
- Additional fees up to $430 for license reinstatement
Subsequent DUI convictions cause the penalties to increase. Conviction for a felony DWI can result in imprisonment up to seven (7) years and a $14,000 fine.
Minnesota has an implied consent law which means that you have given your consent to be tested to determine the alcohol or drug content of your blood, breath or urine if stopped by an officer and he suspects that you are driving under the influence of drugs or alcohol. If you refuse to submit to the test the state can suspend your driver’s license for one (1) year and you could pay an additional fine of $680. The implied consent law also applies to recreational vehicles, boats, snowmobiles and ATV’s.
The minimum required insurance coverage is as follows:
- $30,000 for Bodily Injury Liability for injury of one person
- $60,000 for Bodily Injury Liability for all persons in an accident
- $10,000 for Property Damage Liability for property damage
- $40,000 for Personal Injury Protection per person per accident
- $25,000 for Uninsured Motorist Coverage for injuries for one person
- $50,000 for Uninsured Motorist Coverage for two or more people injured
- $25,000 for Underinsured Motorist for injuries for one person
- $50,000 for Underinsured Motorist for two or more people injured
If you are caught driving an uninsured vehicle on a Minnesota public road you could face suspension of your driver’s license, fines and imprisonment. Drivers must carry proof of insurance and present it to any law enforcement officer when asked. Owners can provide the proof required by showing their insurance policy documents or the current insurance ID card. In addition, since 2003 the state of Minnesota, Department of Public Safety (DPS) has been randomly mailing insurance verification forms to vehicle owners to verify that the vehicle is properly insured.
The information contained in the above article is intended as informational and does not constitute legal or insurance advice. Insurance requirements in the state of Minnesota are subject to change. Visit the Minnesota Department of Commerce, Insurance Commissioner’s Office at http://www.state.mn.us/portal/mn/jsp/home.do?agency=Insurance
or the Minnesota Department of Public Safety at http://www.dps.state.mn.us/
for current information.
Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote