DUI Insurance Laws in Minnesota

Minnesota DUI insurance laws require an SR-22 form to be added to your insurance after a DUI. SR-22 insurance or high-risk insurance in Minnesota can be expensive. Drivers may see increases by up to 40% after a DUI conviction.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 21, 2021

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Here's what you need to know...

  • Minnesota rigorously punishes those convicted of a DUI
  • Ignition interlocking devices are required for repeat offenders
  • Reinstating your driver’s license after a DUI conviction in Minnesota is time consuming and costly
  • Car insurance companies in Minnesota will penalize you for having a DUI on your record

The state of Minnesota is well-known for rigorously punishing people caught driving under the influence (DUI) of alcohol and drugs.

In other words, the state of Minnesota has strict DUI laws and penalties. Find FREE quotes for high risk car insurance with our quote comparison tool!

If you are convicted of DUI, you may have to serve a jail term for a period of 90 days up to seven years.

Apart from this, you will also be penalized with a fine ranging from $1,000 to $14,000.

Minnesota is a state located in the Midwestern part of the USA. The twelfth largest state, it is home to a population of more than 5.3 million people. It is also referred to as the land of 10,000 lakes.

Minnesota means “sky-tinted water” in the Dakota language. The state is well known for its tourism and recreational centers, as it has many lakes, forests, and parks.

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DUI Chemical Testing in Minnesota

If an officer suspects you of driving under the influence of alcohol, you will be asked to consent a chemical test. When you are driving on any road in the state of Minnesota, you automatically provide consent to this chemical test.

If you refuse to undergo the chemical test, you will not be able to drive for one year in the state of Minnesota as your license will be suspended for a period of one year.

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Blood Alcohol Content Level: DUI in Minnesota

You can be penalized for DUI in Minnesota if your blood alcohol content level (BAC) is found to be higher than 0.08 percent. Persons found with BAC levels of 0.16  percent and higher will be punished with a higher sentence.

While driving a commercial vehicle, the maximum permissible BAC limit is 0.04 percent, but for young people below the age of 21, it is 0.02 percent.

First Time DUI in Minnesota:

In Minnesota, if you are arrested for the first time while driving under the influence of alcohol, your driving license will be suspended for not more than 90 days. This is referred to as administrative license suspension.

Under this rule, the drunken driver’s license will be confiscated before conviction, provided the driver fails or refuses the chemical test for alcohol and drugs. The first time offender is also penalized with a fine of $1,000 and will be sentenced to 90 days of imprisonment.

Second-Time DUI in Minnesota:

If you are caught with DUI for the second time within ten years of your first conviction, your driving license will be automatically suspended for six months. Apart from this, you may be sentenced to an imprisonment of 12 months.

You will also be asked to pay a fine of $3,000.

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Third Time DUI in Minnesota:

Third-time offenders in the state of Minnesota will be asked to undergo compulsory alcohol or drug rehabilitation program. They will have to spend a minimum of one year in jail and pay a fine of $3,000.

Their driving license will stand suspended for one year. The DUI offenders also stand to lose their vehicle and license plates.

Fourth-Time DUI in Minnesota:

If you are a fourth-time offender in the state of Minnesota, then your DUI crime is considered a felony.

You will be sentenced to seven years of imprisonment and charged with a fine amounting to $14,000.

Your driving license will be suspended for a period of four years.

Ignition Interlocking Device: The Facts

According to a new law in the state of Minnesota, if you have been convicted of DUI, you need to install the ignition interlocking device in your vehicle (IID).

Persons who do not install this IID cannot claim their restricted driving privileges and will not have any driving rights permitting them to drive in the state of Minnesota.

Depending on your DUI offense, the no-driving imposition will be applicable for a period extending from one to six years.

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Reinstating Driving License

You have to follow a procedure to reinstate your suspended driving license after you have served the term for DUI.

Failure to fulfill these requirements can lead to increased fines and penalties.

  • For reinstating your suspended driving license, you will have to pass a written test that has questions related to DUI. Please refer to the Minnesota Driver’s Manual before appearing for this test, as the questions are based on the material provided in this manual.
  • Thereafter, you have to pay a reinstatement fee of $680.00, regardless of being a first, second, third, or serial offender.
  • Fill out an application form for reinstating your driving license. The application form costs about $18.50.

Minnesota’s New DUI Law in 2010

In the year 2010, a new DUI law was introduced in the state of Minnesota wherein the motorists are provided with an option of driving their vehicles following their arrest for driving under the influence of alcohol.

In this case, however, it is mandatory to install an ignition interlock device in your vehicle. It measures the Blood Alcohol Content of the vehicle’s driver.

If the driver reports of BAC value < 0.02 percent, the vehicle can be started by the drunk driver.

The device also needs intermittent blood samples in order to continue driving the vehicle.

A vehicle owner has to shell out $300 to install this interlock system in the vehicle. Apart from this, the maintenance and operation costs amount to about $100 every month.

In the state of Minnesota, it is believed that only 20 percent of drivers will be able to pay for this expensive device.

Minnesota’s DUI Fatalities in the Year 2008

In the year 2008, the state of Minnesota reported 126 fatal accidents wherein at least one driver was detected with a BAC level exceeding the limit of 0.08 percent.

Due to the drunken stupor of the drivers, 135 people were killed in the state of Minnesota in different accidents.

When you include the drivers, in total, 161 deaths occurred in the state of Minnesota due to drunk drivers in 2008.

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Auto Insurance for DUI Convicts

You need to know that there are car insurance companies in Minnesota that provide high-risk car insurance to people convicted of DUI.

Many people are aware of the penalties associated with DUI in terms of jail, license suspension, and fine.

However, few are aware of the fact that DUI can make it difficult for you to get affordable car insurance for your vehicle.

Many companies either increase their premium rates of such drivers to unaffordable amounts or may even cancel their insurance policy. Many vehicle insurance companies keep a tab on driving offenses.

So, if you are convicted of DUI, you will be included in their list of high-risk customers. This will automatically lead to higher premiums or cancellation of your auto insurance.

DUI Auto Insurance: SR-22

Minnesota and many other states have made it mandatory for people convicted of DUI to have DUI auto insurance.

In legal terms, it is known as SR-22. This insurance certificate declares that you have appropriate coverage for all your vehicles, despite being convicted of DUI.

All auto insurance companies do not offer an SR 22 to their clients.

So, if you are convicted of DUI, then you may have to face cancellation of your auto insurance policy in case your insurance company fails to issue SR 22 forms.

In this case, you have the options with DUI insurance laws. This is offered by some companies at a higher premium.

These companies have the authority to issue SR 22. The insurance company will furnish this SR 22 to the DMV on your behalf. Failure to issue an SR 22 will lead to problems in court.

Valid SR 22: Genuine Auto Insurance Companies

What you need to know is that SR 22 is valid provided the insurance company has the requisite license to do business in the state of Minnesota.

So, you need to double check the credentials of the insurance company before applying for DUI auto insurance.

DUI auto insurance procedure is cumbersome. So you may hire the services of an insurance agent who can guide you in finding the best car insurance companies.

DUI auto insurance has become mandatory in the state of Minnesota.

According to the laws in the state of Minnesota, the DUI convicts need to maintain their SR 22 insurance for at least three years after getting back their driving license; only those insurance companies that deal with high-risk auto insurance offer SR 22 insurance.

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