Car Insurance After a DUI in Minnesota: Cheapest Companies & Rates (2026)
A DUI in Minnesota increases car insurance rates by an average of 74%, raising a typical full coverage policy from $1,878/year to $3,268/year. That's an increase of $1,390/year ($116/month). Rates typically return to normal after 3-7 years.
DUI Rate Impact in Minnesota
Before DUI
$157/mo
$1,878/year full coverage
After DUI (+74%)
$272/mo
$3,268/year full coverage
Cheapest Companies After DUI in Minnesota
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $202/mo | $2,418/yr | Military families |
| Erie Insurance | $215/mo | $2,582/yr | Rate lock guarantee |
| GEICO | $223/mo | $2,680/yr | Clean driving record |
| Progressive | $240/mo | $2,876/yr | Telematics savings |
| State Farm | $248/mo | $2,974/yr | Good students |
| Travelers | $259/mo | $3,105/yr | Multiple discounts |
| Nationwide | $283/mo | $3,399/yr | Bundling home + auto |
| Farmers | $294/mo | $3,529/yr | Signal telematics |
| Allstate | $305/mo | $3,660/yr | Accident forgiveness |
| Liberty Mutual | $321/mo | $3,856/yr | New car replacement |
Rates based on a 30-year-old driver with one DUI conviction, Minnesota, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Minnesota
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Minnesota
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Minnesota
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $272/mo | +74% |
| Year 1 | $261/mo | +67% |
| Year 2 | $243/mo | +56% |
| Year 3 | $214/mo | +37% |
| Year 5 | $180/mo | +15% |
| Year 7 | $157/mo | Normal |