Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In Minnesota, as in most states, drivers are required to carry a minimum amount of auto insurance. This typically includes both bodily injury liability coverage and property damage liability coverage. The minimum amounts are set by state law. In Minnesota, the minimums are $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $10,000 for property damage per accident. Additionally, Minnesota law requires personal injury protection (PIP), uninsured motorist coverage, and underinsured motorist coverage. The cost of auto insurance can be significantly influenced by a driver's record. Traffic violations, such as speeding tickets, can increase insurance premiums by 25-30%, while more severe infractions like DUI/DWI or hit-and-run may lead to increases of 75% or more. Drivers in Minnesota who have received citations or have been involved in incidents that could raise their insurance rates may benefit from consulting with an attorney who specializes in traffic violations and insurance law to explore their options and potentially mitigate the impact on their insurance costs.