Does a DWI raise car insurance rates in Minnesota?
Yes. If you get a DWI in Minnesota, your car insurance rates will go up because insurers see you as a higher risk. If you have a clean record, the average rate is $2,591. After one DWI, the average rate jumps to $6,348, an increase of $3,757.
Car insurance companies charge much higher rates if you are proven to be a risky driver. If you have multiple DWIs, average rates dramatically increase to $12,750.
How much does a DWI raise your insurance in Minnesota?
After a DWI in Minnesota, the average cost of car insurance is $6,348, but your actual rate will vary a lot depending on the company. State Farm has the lowest average rate at $2,539. It's important to compare companies because each one calculates risk differently.
Travelers is the second-cheapest option, with a rate that is $651 higher than State Farm. Auto-Owners is the third-cheapest.
A DWI affects more than just your insurance. You will also have to pay fines, court costs, legal fees and expenses related to a suspended license or impounded vehicle.
Because each insurer handles DWIs differently, getting multiple quotes can help you avoid overpaying.
This table shows average car insurance rates after a DWI in Minnesota.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| State Farm | $2,332 | $2,539 | $2,539 |
| Travelers | $1,837 | $3,190 | $5,465 |
| Auto-Owners | $2,243 | $4,212 | $8,938 |
| Nationwide | $2,597 | $4,996 | $6,893 |
| Allstate | $3,129 | $5,387 | $6,924 |
| Auto Club Group (AAA) | $2,129 | $9,909 | $27,086 |
| North Star Mutual | $3,181 | $9,968 | $18,314 |
| GEICO | $3,397 | $10,633 | $25,929 |
People ask
What happens when you get a DWI in Minnesota?
If you're convicted of a DWI in Minnesota, the consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, and car insurance rates will increase for 20 years.
If someone gets a DWI in your car, does it go on your insurance?
If someone else gets a DWI while driving your car, the DWI goes on their driving record, not yours. Your insurance rates will not go up just because of their DWI. However, your rates could increase if that driver causes an accident and you file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing.. Your insurer may also review your policy if that person lives with you or regularly drives your car.
Additionally, your car can be declared a crime scene after an accident, so you won't have access to your vehicle until the police are ready.
How long does a DWI affect your insurance in Minnesota?
A DWI affects your insurance rates in Minnesota for about 20 years., but it may stay on your driving record longer. Your premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. will slowly go down if you avoid more violations and maintain continuous coverage.
Insurance companies look at your recent driving history when setting your rates. Each company has its own rules for how long it considers a DWI.
As time passes, your rates will improve, depending on your insurer and your overall record.
It is a good idea to compare quotes at renewal because another company may stop charging extra for your DWI sooner.
People ask
Will I have difficulty getting car insurance after a DWI?
It may be more challenging to find affordable car insurance after a DWI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DWI, you may consider shopping for new coverage to compare rates..
How much does a DWI raise insurance by age group?
A DWI raises insurance rates for drivers of all ages, but younger drivers pay the most. Teens and young adults already have higher rates because they have less experience. After a DWI, the average rate for a teen is $6,683, but it varies by company.
These are the cheapest companies after a DWI by age:
- For teens: State Farm is the cheapest at $6,683.
- For young adults: State Farm offers the cheapest young adult coverage at $3,045.
- For adults: State Farm, with an average rate of $2,539.
- For seniors: State Farm has the most affordable average rate at $2,236.
This table shows how a DWI affects car insurance rates based on age group.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| State Farm | $6,083 | $6,683 | $600 | 10% |
| Travelers | $4,984 | $7,864 | $2,880 | 58% |
| Auto-Owners | $4,864 | $9,957 | $5,093 | 105% |
| Nationwide | $7,684 | $9,999 | $2,315 | 30% |
| Allstate | $7,604 | $14,382 | $6,778 | 89% |
| North Star Mutual | $7,565 | $17,765 | $10,200 | 135% |
| Auto Club Group (AAA) | $7,430 | $19,058 | $11,628 | 157% |
| GEICO | $9,722 | $22,423 | $12,701 | 131% |
How much does a DWI raise your insurance in your city?
The cheapest city in Minnesota for car insurance with a DWI is Duluth, while the most expensive is Minneapolis at an average of $7,186. Where you live affects car insurance rates, regardless of whether you have a DWI. Drivers in areas with higher traffic and more vehicle thefts pay higher insurance premiums because their cars are more likely to be damaged. Those higher rates are then raised significantly with a DWI.
This table shows average DWI car insurance rates by city. Compare rates in large cities to rural areas to see how your location impacts rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % increase |
|---|---|---|---|---|
| Duluth | $2,471 | $5,931 | $3,460 | 140% |
| Rochester | $2,417 | $5,971 | $3,554 | 147% |
| Lakeville | $2,506 | $6,033 | $3,527 | 141% |
| Woodbury | $2,594 | $6,218 | $3,624 | 140% |
| Plymouth | $2,542 | $6,235 | $3,693 | 145% |
| Blaine | $2,562 | $6,345 | $3,783 | 148% |
| Bloomington | $2,597 | $6,369 | $3,772 | 145% |
| Brooklyn Park | $2,811 | $6,919 | $4,108 | 146% |
| St. Paul | $2,907 | $7,159 | $4,252 | 146% |
| Minneapolis | $2,937 | $7,186 | $4,249 | 145% |
How to get car insurance after a DWI in Minnesota
To get car insurance after a DWI in Minnesota, start with your current insurer or look for companies that cover high-risk drivers. Start by checking if you need to file any state forms, then compare quotes from several insurers.
If you have car insurance and get a DWI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.
If you need car insurance after a DWI or want to find the lowest rates, shop around for coverage. Compare quotes from multiple insurers to find the most affordable policy in Minnesota since each insurer offers different rates after a DWI.
Minnesota DWI insurance requirements and penalties
A DWI in Minnesota means you must meet specific requirements for high-risk drivers. In Minnesota, you will need an SR-22. A DWI can lead to fines, a driver's license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.
The table below indicates Minnesota DWI laws and penalties based on first and subsequent offenses.
| Increased penalty for high BAC | 0.16 |
| Administrative license suspension after a first offense | 90 days |
| Limited driving privileges during suspension | After 15 days |
| Ignition interlocks | Highly incentivized for high BAC (0.16) and repeat convictions |
| Open container laws | Yes |
| Repeat offender laws | No |
*BAC is blood alcohol concentration
How long after a DWI does your insurance go down?
Minnesota drivers can expect to pay higher car insurance rates after a DWI for 20 years.
If you avoid new tickets, accidents, and lapses in coverage, your rates should improve over time. Still, the DWI can affect your eligibility for certain insurers or discounts even after your rate starts to drop.
It is a good idea to compare quotes at each renewal. Another insurer may offer a lower rate sooner than your current one.
Tips to save money after a DWI
You can save money after a DWI by comparing quotes, avoiding additional violations and taking advantage of discounts. While these steps will not remove the DWI, they can help reduce your overall costs.
While your rates will remain higher for a period, these steps can significantly reduce how much you pay.
- Raise your deductible to lower rates
- Look for car insurance discounts, like multi-policy and vehicle safety feature savings
- Keep your driving record clean going forward
- Take a defensive driving course
- Improve your credit score
- Compare rates from multiple companies
Methodology
Insurance.com commissioned car insurance rates in all 50 states and Washington, D.C., through our data partner, Quadrant Information Services. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Base rate averages are based on our full coverage data setand the following parameters:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Rates after a DWI
Minnesota DWI insurance: Frequently asked questions
How far back do insurance companies look for a DWI?
DWIs can stay on your driving record for up to 10 years, depending on your state. Typically, a DWI stops affecting car insurance rates in three to five years.
Will my insurance drop me after a DWI in Minnesota?
Most insurers won't drop you after one DWI, but rates will increase significantly. However, multiple DWIs may cause your insurer to refuse coverage. The more risk you pose, the more challenging it is to get car insurance.
Do you need an SR-22 after a DWI in Minnesota?
Minnesota does not require SR-22 filings. However, a DWI conviction can still lead to license suspension, higher insurance rates, and other state-mandated requirements before you can legally drive again. Check with the Minnesota motor vehicle agency and your insurer to confirm what proof of coverage or reinstatement documents you need.
Can you get full coverage car insurance after a DWI?
Yes, you can get full coverage car insurance after a DWI, but it will generally cost more and fewer insurers may be willing to offer it. Full coverage includes liability, collision and comprehensive insurance. Comparing quotes from several companies can help you find the best coverage at a more affordable rate.
Compare Minnesota DUI car insurance rates with other states
You might also be interested in- Minnesota car insurance laws and requirements: 2026 changes
- Speeding ticket calculator in Minnesota
- Non-owner car insurance in Minnesota: Best and cheapest companies
- Minnesota gap insurance: Everything you need to know
- Low-income car insurance in Minnesota
- Minnesota car insurance guide
- Minnesota car insurance coverage calculator
- Cheapest car insurance for high-risk drivers in Minnesota
- Cheapest home and auto insurance bundle in Minnesota
- Best condo insurance in Minnesota for 2026
