FTA License Suspension
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Minnesota FTA License Suspension: Clear the Hold & Restore

Minnesota requires 30/60/10 minimum liability coverage ($30,000 per person, $60,000 per accident for bodily injury, $10,000 for property damage). Average monthly rate after FTA reinstatement: $140–$180. Clear the Failure-to-Appear hold at court before insurance or reinstatement begins.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

Minimum Coverage Requirements in Minnesota

Minnesota operates under a traditional tort liability system. All drivers must carry proof of insurance and meet 30/60/10 minimum liability limits. If you missed a court date for a traffic citation, Minnesota courts place a Failure-to-Appear hold on your license through the Driver and Vehicle Services division. The court holds authority over the FTA suspension, not DVS directly—you must clear the hold at court before any reinstatement process begins.

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$30,000 per person / $60,000 per accident
Bodily Injury Liability
Pays for injuries you cause to others in an at-fault accident. Minnesota's 30/60 minimum is below the national median—a single emergency room visit after a moderate accident can exceed $30,000. After FTA reinstatement, carriers often quote higher premiums if the underlying citation involved driving without insurance or reckless operation.
$10,000 per accident
Property Damage Liability
Covers damage you cause to another vehicle or property. Minnesota's $10,000 minimum is insufficient for newer vehicles—average new car replacement cost in Minnesota exceeds $40,000. If your FTA was for an uninsured-driving citation, expect non-standard carriers to require higher property damage limits as a condition of coverage.
Must be offered; can be rejected in writing
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance. Minnesota statute requires carriers to offer uninsured motorist coverage at limits equal to your liability limits—you must decline in writing at policy inception or it is added automatically. Verbal rejection does not count. After an FTA reinstatement, some carriers will not allow rejection and include it as mandatory.
$40,000 per person (optional in Minnesota)
Personal Injury Protection (PIP)
Minnesota is not a pure no-fault state, but PIP is available and strongly encouraged. If you select PIP, Minnesota's minimum is $40,000 for medical expenses, lost wages, and essential services—your own policy pays regardless of fault. FTA reinstatement does not trigger mandatory PIP, but carriers may require it if the underlying citation involved injury or alcohol.
Varies by citation type
SR-22 Certificate (if underlying citation requires)
Minnesota requires SR-22 filing only if the underlying citation that led to your missed court date was uninsured-driving, DUI, or certain reckless-driving offenses. If your FTA was for speeding, expired registration, or a non-moving violation, SR-22 is not required. Filing period is typically three years from the date of conviction, not the date of reinstatement. The carrier files form SR-22 electronically with Driver and Vehicle Services.
State-Mandated Minimum Coverage · Minnesota

Minnesota Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$60,000
Property Damage$10,000

License Reinstatement Fee$30

Meeting the state minimum keeps you legal. See whether it's enough — get your Minnesota quote.

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How Much Does Car Insurance Cost in Minnesota?

Minnesota insurance rates after FTA reinstatement depend on the nature of the underlying citation, your driving record before the missed court date, and whether SR-22 filing is required. Minneapolis and Saint Paul drivers pay 15–20% above state average due to density and theft rates. Rural northern Minnesota drivers often see lower base rates but fewer carrier options.

What Affects Your Rate

  • FTA with underlying DUI or uninsured-driving citation increases monthly premium 40–60% compared to FTA for speeding or expired tags.
  • Minneapolis zip codes 55404, 55408, 55411 show highest theft-claim frequency in Minnesota, adding $25–$40/month to comprehensive premiums.
  • Drivers under 25 clearing an FTA suspension pay 30% more than drivers over 25 for the same coverage and citation type.
  • SR-22 filing adds $15–$25/month to base premium in Minnesota due to administrative filing and elevated-risk classification.
  • Gap in coverage between suspension and reinstatement longer than 60 days triggers non-continuous-coverage surcharge of 10–15% for first policy term.
  • Northern rural counties like Lake of the Woods and Koochiching have fewer non-standard carrier appointments—expect 20–30% fewer quote options than metro areas.
Minimum Coverage
$140–$180/mo
30/60/10 liability only. Lowest legal option after FTA clearance. Standard carriers may decline if underlying citation was serious; non-standard carriers will write but at elevated rates.
Standard Coverage
$200–$260/mo
100/300/100 liability plus uninsured motorist and collision with $500 deductible. Most common choice for drivers clearing FTA holds who own financed vehicles. Rates stabilize after 12 months of continuous coverage with no new violations.
Full Coverage
$280–$360/mo
250/500/100 liability, uninsured motorist, comprehensive, collision, and optional PIP. Highest protection tier. Typically required by lienholders if the underlying FTA involved alcohol or uninsured operation and the lender was notified of suspension.

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Coverage Types

Post-FTA Reinstatement Insurance

Coverage designed for drivers who cleared an FTA hold and need proof of insurance to finalize reinstatement with Driver and Vehicle Services. Available through non-standard carriers even if standard carriers decline due to suspension history.

SR-22 Filing for Underlying Citations

Certificate of financial responsibility filed by your carrier with Minnesota DVS. Required if your missed court date was for uninsured driving, DUI, or certain reckless-driving offenses—not required for FTA on speeding, parking, or minor equipment violations.

Minimum Liability Compliance

30/60/10 liability-only policy meeting Minnesota's legal floor. Cheapest option after FTA reinstatement but offers minimal protection in serious accidents. Many non-standard carriers require higher voluntary limits as underwriting condition.

Non-Standard Auto Coverage

Policies from carriers specializing in suspended-license reinstatements, FTA clearances, and high-risk drivers. Higher premiums than standard market but will write coverage when standard carriers decline due to recent suspension.

Standard Auto Coverage Post-Reinstatement

Traditional carrier policies available 12–24 months after FTA reinstatement if no new violations occur and continuous coverage is maintained. Lower premiums than non-standard market once suspension falls outside carrier lookback window.

Find Your City in Minnesota

Minneapolis, Minnesota cityscape and street view

Minneapolis

urban
St. Paul, Minnesota cityscape and street view

St. Paul

urban
Rochester, Minnesota cityscape and street view

Rochester

suburban
Duluth, Minnesota cityscape and street view

Duluth

urban
Row of white and beige townhouses with autumn trees on hillside in background

Bloomington

suburban
Aerial view of city skyline with downtown skyscrapers, river, and mixed residential buildings surrounded by trees

Brooklyn Park

suburban
Japanese garden with wooden bridge over pond, surrounded by rocks, plants and pergola structure

Plymouth

suburban
Red stop sign on residential street with white townhouses and green hills in background

Maple Grove

suburban

Frequently Asked Questions

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