SR-22 Filing · Minnesota
An SR-22 is a certificate of financial responsibility — not a type of insurance, but a filing your insurance carrier makes with the state of Minnesota to verify you carry the required coverage. If your license has been suspended or revoked, you'll typically need an SR-22 before it can be reinstated.
What's Covered
An SR-22 is a certificate of financial responsibility — not a type of insurance, but a filing your insurance carrier makes with the state of Minnesota to verify you carry the required coverage. If your license has been suspended or revoked, you'll typically need an SR-22 before it can be reinstated.
An SR-22 is a form your insurer files with the Minnesota Department of Public Safety to certify that you carry at least the state minimum liability coverage. It's required after certain violations and stays on file for a period set by the court or DMV.
Minnesota typically requires SR-22 filings for 3 years following the triggering violation. The exact period depends on the offense and any court orders. The filing must remain continuous — a lapse cancels your reinstatement.
The underlying auto policy must meet Minnesota's minimum liability requirements: $30,000/$60,000 bodily injury and $10,000 property damage. We write the policy and file the SR-22 certificate simultaneously.
If you don't own a vehicle but need an SR-22 to reinstate your license, a non-owner policy provides the required liability coverage and SR-22 filing without being tied to a specific vehicle.
DUI/DWI convictions, serious traffic violations, driving without insurance, license suspension or revocation, excessive points on your driving record, or a court order following an at-fault accident.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
We work with many of the top A-rated carriers in Minnesota — so we're always looking for your best option, not pushing a single company's product.
You work directly with a licensed Minnesota producer — not a call center — from your first quote through every renewal and every claim.
We tell you what we find, walk you through the options honestly, and let you decide. No fee for a quote, no obligation to switch.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
Same day in most cases. We write the policy and electronically file the SR-22 certificate with the state. You should receive confirmation within 24–48 hours, and your license reinstatement can proceed from there.
Yes — the underlying violation that triggered the SR-22 requirement will increase your rates. We compare across multiple carriers to find the most competitive rate for your specific situation, which can vary significantly by insurer.
If your policy lapses, your insurer is required to notify the state. This can result in license re-suspension and may restart the SR-22 period. Keeping your policy active and paid on time is critical while an SR-22 is on file.
Yes, if the state requires it for license reinstatement. A non-owner SR-22 policy provides the required coverage and certificate filing without being tied to a specific vehicle — it covers you when driving borrowed or rented cars.
