What an SR-22 actually is
An SR-22 is a certificate of financial responsibility. Your insurance company files it with the state to confirm you maintain at least the minimum required liability coverage. It's attached to a regular auto policy — you don't buy a separate "SR-22 policy."
When Minnesota requires one
You're typically required to file an SR-22 to reinstate driving privileges after a serious violation, such as:
- A DWI / DUI conviction
- Driving without insurance or causing an accident while uninsured
- Multiple serious violations or a license suspension/revocation
- Certain at-fault crashes without coverage
The court or Minnesota Driver and Vehicle Services (DVS) will tell you if an SR-22 is required and for how long.
How long it lasts
In most cases an SR-22 must stay on file for about three years, though the exact period depends on the offense and the state order. The clock generally requires continuous coverage — any lapse can reset it and trigger another suspension.
What it costs
The filing fee itself is small — often around $25. The real cost is the premium increase that comes with the high-risk status behind the SR-22. After a DWI, rates can rise substantially for several years. Some carriers won't write SR-22 policies at all, so shopping carriers that specialize in high-risk drivers matters.
An FR-44 or non-owner SR-22?
If you need to file but don't own a vehicle, a non-owner SR-22 policy can satisfy the requirement while you're driving borrowed or rented cars. Ask carriers specifically about non-owner options.
Getting it removed
Once your required period ends and you've maintained continuous coverage, you can ask your insurer to cancel the filing — but confirm with DVS first that the requirement has truly expired before making any changes.