Minnesota SR-22 Insurance
Filing an SR-22 Certificate in Minnesota
Minnesota is one of the several states that do not require an SR-22 form. However, the Minnesota Department of Public Safety mandates all drivers must carry minimum liability insurance.
If your license is suspended in Minnesota, you must file an insurance certification form with the Department of Public Safety before your driving privileges can be reinstated. Even if you do not own a vehicle, you must still file a non-owner’s or operator’s policy. All certificates of insurance must be obtained through a licensed agent. Generally, insurance certifications can be submitted within minutes via fax.
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Minnesota Mandatory Minimum Insurance Requirements
The Minnesota Department of Commerce requires that all licensed vehicles carry the appropriate insurance coverage. Minnesota’s No-Fault Automobile Insurance Act requires drivers to carry Personal Injury Protection (PIP) coverage on their insurance policies. The mandatory minimum no-fault coverage in Minnesota is $40,000.
In addition, the mandatory minimum liability limits in the State are:
- $30,000 for injuries to one person
- $60,000 for injuries to two or more people
- $10,000 for physical damage to the other driver’s vehicle or for damage to property
Failure to maintain the mandatory minimum insurance coverage can result in the suspension or revocation of your driving privileges.
Minnesota Driving While Intoxicated (DWI) Sanctions
If you are arrested and/or subsequently convicted of a DWI, you may face a lengthy license suspension. The criminal and administrative sanctions on even a first offense DWI can be severe. If you are convicted for a first offense DWI with an alcohol-concentration level of under 0.16 percent, you may be sentenced to up to 90 days in jail and/or have to pay a $1,000 fine. Your license may be suspended for up to 90 days, depending on the circumstances of your case. If you have a high alcohol-concentration level or a child in the car, you may face a one-year suspension of your driving privileges. To get your license reinstated after revocation, you will have to pay a $680 reinstatement fee, complete a DWI knowledge test, submit a driver's license application with fees, and a chemical health assessment. You may be able to obtain your driving privileges back sooner with the installation of an ignition interlock device (IID).
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Installing an Ignition Interlock Device in Minnesota
If your license is in a revoked status, you may be able to have your driving privileges reinstated with the installation of an ignition interlock device. Minnesota’s Ignition Interlock Device Program was enacted to help drivers obtain their full driving privileges back. There are several requirements for admission into the program, including:
- You must be at least 18 years old
- You must be eligible for a Class D driver’s license
- You must own/drive a vehicle with valid insurance
- You must have no outstanding warrants
An IID must be installed by an authorized ignition interlock provider. Attempts to circumvent the device, bypass a reading, or otherwise tamper with it can result in additional administrative sanctions.
DWI Penalties in Minnesota
Offenses and License Options
A first offense results in the loss of driving privileges for 90 days. Second and subsequent offenses result in a loss of driving privileges for at least one year.
Individuals with revoked or canceled licenses may be eligible for a limited or restricted license during the revocation or cancellation period. This license allows driving six days a week for specific purposes such as employment, abstinence-based treatment, education, and homemaker duties. They must only drive vehicles equipped with an ignition interlock device. Depending on prior offenses, the restricted license may offer either limited or full driving privileges with the ignition interlock.
The available license options depend on the individual's driving record.
Reinstatement and Cancellation
Individuals with a revoked license due to an impaired driving incident have two options:
- Wait out the revocation period and refrain from driving.
- Apply for a limited or restricted license. After the revocation period, they can apply for full driving privileges reinstatement.
For those with a canceled license, proof of abstinence through the use of an ignition interlock device is required before reinstatement. Canceled drivers cannot wait out the cancellation period to regain driving privileges.
Get Your Minnesota License Reinstated with Breathe Easy Insurance
If your license was revoked due to a DWI or other offense, you need to act fast. Breathe Easy Insurance Solutions can help you get your driving privileges reinstated. Whether you need to find an approved ignition interlock provider or simply file an insurance certificate with the Department of Public Safety, our agents can help. Contact us today for your free insurance quote.
