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Minnesota DWI Insurance and SR22 Coverage

Diversion Program participants:

We can help you meet your insurance needs.  We offer Non-Owner policies for those who do not need to insure a vehicle.  You can also get Liability-only or Full coverage (comprehensive and collision)  if you need to insure a vehicle.  We will send all necessary paperwork to DDP and the state.  One easy call to Wessell Insurance and we can meet your insurance requirements within minutes.


Certain violations require Minnesota SR22 auto insurance, which is a document filed by your insurance carrier with the state, for the purpose of showing proof of financial responsibility. This will reinstate your suspended drivers license with the Department of Public Safety in St Paul, MN and allow you to reinstate your MN driver's license. The court will determine whether you need SR22 insurance, and for how long, usually 3 years. 

Need Minnesota SR22 Insurance to get your MN driver's license reinstated?  Need MN non owner insurance?  Get the cheapest Minnesota SR22 insurance quote here and get your drivers license reinstated. We electronically file your SR22 form financial responsibility the day the policy is purchased.

What is SR22 Insurance?

An insurance coverage mandated by the state that serves as proof that you have acquired the legal liability insurance to restore your driving privileges.
It is necessary to maintain the SR22 insurance for as long as required by the court.  If coverage lapses during this time the state will suspend your drivers license.  
If you move out of state during this court order you will be required to maintain this coverage to get a driver's license issued in another state. 

Minnesota SR22 Insurance Requirement

The state of Minnesota requires all drivers to carry liability insurance with limits 30/60/10

$30,000 for bodily injury to 1 person
$60,000 for bodily injury to 2 or more people
$10,000 for property damage
$40,000 PIP ( personal injury protection)
$25,000 for uninsured / underinsured motorist bodily injury
$50,000 for uninsured / underinsured motorist bodily injury

Minnesota SR22 Insurance
Types of Minnesota SR22 Insurance

1)  Auto Owner policy - which is a standard auto insurance policy that covers a driver on their own personal vehicle.
2)  Non-owner or Operator policy - is an auto insurance policy which gives liability coverage to a driver when driving vehicles that they don’t own.   Non-owner policies cost far less and carry significantly lower premiums, while still meeting SR22 requirements.
3)  Motorcycle SR-22 Insurance  - A standard motorcycle insurance policy with an SR22.

SR22 Financial Responsibility Insurance is Required for Violations Such As:

-serious moving violations like;  reckless driving, speeding, DUI, etc. 
-failure to provide valid proof of insurance or providing false documents
-driving on suspended or revolked license
-excessive tickets
-unpaid legal judgments
-failure to pay child support

Minnesota Fun Facts
The Mall of America in Bloomington is the size of 78 football fields --- 9.5 million square feet.
Madison is the "Lutefisk capital of the United States".
Bloomington and Minneapolis are the two farthest north latitude cities to ever host a World Series game.
Rochester is home of the world famous Mayo Clinic.
The stapler was invented in Spring Valley.
Tonka Trucks were developed and are continued to be manufactured in Minnetonka.
Author Laura Ingalls Wilder lived on Plum Creek near Walnut Grove.

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