- Does a DWI raise car insurance rates in Minnesota?
- How much does a DWI raise your insurance in Minnesota?
- If someone gets a DWI in your car, does it go on your insurance?
- How long does a DWI affect your insurance in Minnesota?
- How much does a DWI raise insurance by age group?
- How much does a DWI raise your insurance in your city?
- How to get car insurance after a DWI in Minnesota
- Minnesota DWI insurance requirements and penalties
- How long after a DWI does your insurance go down?
- Tips to save money after a DWI
- Methodology
- Minnesota DWI insurance: Frequently asked questions
- Compare Minnesota DUI car insurance rates with other states
Does a DWI raise car insurance rates in Minnesota?
With a clean driving record, car insurance in Minnesota costs $1,911. However, after a DWI, the average rate rises to $4,176, which is $2,265 higher.
Auto insurers raise premiums significantly when they view you as a high-risk driver. If you receive multiple DWIs, average rates rise sharply to $8,111.
How much does a DWI raise your insurance in Minnesota?
The cheapest insurer after a DWI is State Farm, with rates averaging $1,658. The next cheapest insurer is Nationwide a difference of $658 from State Farm. Travelers has the third-most affordable car insurance rates with a DWI.
Driving under the influence is both dangerous and expensive. You'll face substantial fines and increased car insurance rates for many years. Because each insurer handles a DWI differently and sets its own pricing, comparing quotes from several companies is essential.
The table below lists theaverage 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 | $1,525 | $1,658 | $1,658 |
| Nationwide | $1,363 | $2,316 | $3,244 |
| Travelers | $1,618 | $2,747 | $4,275 |
| Auto-Owners | $1,693 | $3,179 | $6,743 |
| Allstate | $2,388 | $4,030 | $5,137 |
| GEICO | $2,495 | $7,791 | $18,986 |
| Auto Club Group - ACG (AAA) | $1,636 | $7,861 | $21,828 |
| USAA | $1,382 | $2,566 | $2,845 |
PEOPLE ASK:
What happens when you get a DUI in Minnesota?
If you're convicted of a DUI in Minnesota, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and the DWI will stay on your record for five years.
If someone gets a DWI in your car, does it go on your insurance?
In most cases, insurance applies to the car rather than the driver, so your car insurance rates won't rise because the DWI will not appear on your driving record.
However, your premiums may rise if your car is involved in an accident caused by a DWI. Your vehicle may also be treated as a crime scene after the crash, meaning you won't be able to access it until the police release it.
How long does a DWI affect your insurance in Minnesota?
While a DWI may remain on your driving record forever, it doesn't affect rates forever. A DWI affects Minnesota car insurance and stays on your record for five years. Your car insurance rates should begin to decrease after several years with no further infractions on your driving record.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, 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 DUI, you may consider shopping for new coverage to compare rates.
How much does a DWI raise insurance by age group?
Younger drivers typically pay higher car insurance rates than older, more seasoned drivers because they have less driving experience. While a DWI increases costs for everyone, a teen's premiums climb even more after a conviction. The average car insurance rate for a teen with a DWI is $4,021.
Here are the most affordable insurers after a DWI by age:
- For teens: State Farm offers the lowest rate at $4,021.
- For young adults: State Farm provides the cheapest coverage for young adults at $1,960.
- For adults: State Farm is the most affordable option, with an average rate of $1,658.
- For seniors: State Farm offers the lowest average rate at $1,430.
This table illustrates how a DWI impacts car insurance rates across different age groups.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| State Farm | $3,664 | $4,021 | $357 | 10% |
| Nationwide | $4,091 | $4,879 | $788 | 19% |
| Travelers | $3,792 | $5,950 | $2,158 | 57% |
| Auto-Owners | $3,438 | $7,070 | $3,632 | 106% |
| Allstate | $6,103 | $11,094 | $4,991 | 82% |
| Auto Club Group - ACG (AAA) | $5,376 | $14,029 | $8,653 | 161% |
| GEICO | $6,874 | $15,926 | $9,052 | 132% |
| State Farm | $3,664 | $4,021 | $357 | 10% |
| Nationwide | $4,091 | $4,879 | $788 | 19% |
| Travelers | $3,792 | $5,950 | $2,158 | 57% |
| Auto-Owners | $3,438 | $7,070 | $3,632 | 106% |
| Allstate | $6,103 | $11,094 | $4,991 | 82% |
| Auto Club Group - ACG (AAA) | $5,376 | $14,029 | $8,653 | 161% |
| GEICO | $6,874 | $15,926 | $9,052 | 132% |
| USAA | $3,405 | $5,341 | $1,936 | 57% |
| USAA | $3,405 | $5,341 | $1,936 | 57% |
How much does a DWI raise your insurance in your city?
The most affordable city in Minnesota for car insurance after a DWI is Lanesboro, while the most expensive is Minneapolis, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $4,815. Where you live affects your insurance costs even without a DWI. Drivers in areas with higher traffic or higher rates of vehicle theft pay more because their cars face a greater risk. A DWI then pushes those already high rates even higher.
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 |
|---|---|---|---|---|
| Apple Valley | $1,917 | $4,136 | $2,219 | 116% |
| Bovey | $2,017 | $4,176 | $2,159 | 107% |
| Carlton | $1,988 | $4,185 | $2,197 | 111% |
| Champlin | $1,929 | $4,194 | $2,265 | 117% |
| Dumont | $1,849 | $3,823 | $1,974 | 107% |
| Foley | $1,949 | $4,077 | $2,128 | 109% |
| Frazee | $1,881 | $3,911 | $2,030 | 108% |
| Lanesboro | $1,817 | $3,728 | $1,911 | 105% |
| Minneapolis | $2,188 | $4,815 | $2,627 | 120% |
| St. Paul | $2,164 | $4,766 | $2,602 | 120% |
| Apple Valley | $1,917 | $4,136 | $2,219 | 116% |
| Bovey | $2,017 | $4,176 | $2,159 | 107% |
| Carlton | $1,988 | $4,185 | $2,197 | 111% |
| Champlin | $1,929 | $4,194 | $2,265 | 117% |
| Dumont | $1,849 | $3,823 | $1,974 | 107% |
| Foley | $1,949 | $4,077 | $2,128 | 109% |
| Frazee | $1,881 | $3,911 | $2,030 | 108% |
| Lanesboro | $1,817 | $3,728 | $1,911 | 105% |
| Minneapolis | $2,188 | $4,815 | $2,627 | 120% |
| St. Paul | $2,164 | $4,766 | $2,602 | 120% |
How to get car insurance after a DWI in Minnesota
Insurers will label you as a high-risk driver after a DWI, but that doesn't mean you can't get car insurance. Finding the best fit after a DWI conviction may require a little work.
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.
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 | Administrative license suspension after a first offense | Limited driving privileges during suspension | Ignition interlocks | Open container laws | Repeat offender laws |
|---|---|---|---|---|---|
| 0.16 | 90 days | After 15 days | Highly incentivized for high BAC (0.16) and repeat convictions | Yes | No |
| 0.16 | 90 days | After 15 days | Highly incentivized for high BAC (0.16) and repeat convictions | Yes | No |
*BAC is blood alcohol concentration
How long after a DWI does your insurance go down?
A DWI affects car insurance rates for at least three years, although the timeframe varies by state. In some states, like California, a DWI can impact your premiums for as long as 10 years.
In Minnesota, drivers can expect higher car insurance rates after a DWI and expect it to stay on their record for five years.
Tips to save money after a DWI
A DWI can cost you thousands of dollars in fines, fees and increased insurance premiums. Fortunately, there are still ways to lower your rates afterward.
Minnesota drivers can cut car insurance expenses after a DWI by:
- Raising their deductible to reduce monthly premiums
- Looking for discounts, such as multi-policy savings or safety feature discounts
- Keeping a clean driving record going forward
- Completing a defensive driving course
- Improving their credit score
- Comparing quotes from multiple insurers
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- 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:
- One and two DWI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
Minnesota DWI insurance: Frequently asked questions
How far back do insurance companies look for a DWI?
Depending on the state, a DWI can remain on your driving record for up to 10 years. In most cases, a DWI affects car insurance rates for only three to five years.
Will my insurance drop me after a DWI in Minnesota?
Most insurers will not cancel your policy after a single DWI, but your rates will rise sharply. However, multiple DWIs may lead your insurer to deny coverage. The higher the risk you present, the harder it becomes to secure car insurance.
Compare Minnesota DUI car insurance rates with other states
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