Minnesota License Reinstated After Points Suspension
Minnesota requires 30/60/10 liability coverage and is a no-fault state.
Get My Point-Reduction Insurance QuoteMinnesota at a Glance
30/60/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
$30
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Minnesota
Minnesota operates as a no-fault state, requiring Personal Injury Protection coverage alongside standard liability. The Minnesota Department of Public Safety oversees driver licensing and suspension actions, including points-threshold enforcement. After a points suspension, you must complete defensive driving before reinstatement, even if points naturally expired during the suspension period.
Liability Insurance
Personal Injury Protection
Uninsured Motorist Coverage
High-Risk Auto Insurance
What Drivers Pay in Minnesota
$223–$491/mo
Typical monthly rate in Minnesota, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Find Coverage While Your Points Come Down
Get My Point-Reduction Insurance QuoteIf your license is suspended
Limited license (work permit)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How many points suspend your license in Minnesota?
Minnesota suspends driving privileges at 4 points accumulated within 12 months. Each point stays on your record for 2 years from the violation date. If you hit 4 points, the Minnesota Department of Public Safety issues a suspension notice regardless of whether the points expired before the notice arrived—expiration only matters for calculating whether new violations push you over the threshold again.
Does Minnesota require SR-22 after a points suspension?
Minnesota does not require SR-22 for points-threshold suspensions, but the specific violations that pushed you over the threshold may trigger SR-22 independently. Reckless driving, racing, and speeds over 100 mph each carry 3-year SR-22 requirements separate from the points suspension. Verify SR-22 status with the Minnesota Department of Public Safety before reinstatement—if SR-22 is required and not filed, your suspension extends automatically.
How long does a points suspension stay on your Minnesota driving record?
The suspension action itself remains on your Minnesota driving record for 5 years from the reinstatement date. Individual violations stay visible for 2-5 years depending on severity—speeding tickets drop after 2 years, but reckless driving and racing remain for 5 years. Carriers review the full 5-year history at underwriting, so multi-violation premiums persist even after points expire.
Coverage Types
High-Risk Auto Insurance
Non-standard carrier policies for drivers with multiple moving violations on record. Written through specialized underwriting that prices cumulative violation history rather than applying standard-tier declination rules.
Liability Insurance
Covers injury and property damage you cause to others in an at-fault crash. Minnesota's 30/60/10 minimum is the floor for reinstatement proof-of-insurance requirements.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage when the at-fault driver has no insurance or insufficient coverage. Carriers must offer it at your liability limits annually.
Personal Injury Protection
Minnesota's no-fault coverage that pays your medical bills and lost income regardless of who caused the crash. Required on every policy unless you reject it in writing annually.