Skip the auto shop - Our mechanics make house calls

Insurance Requirements for Car Registration in Minnesota

Insurance Requirements for Car Registration in Minnesota

The Driver and Vehicle Services Department of Minnesota requires that all drivers carry no-fault auto insurance, or “financial responsibility,” to help cover the cost of damages and injuries related to an auto accident.

The minimum financial responsibility for drivers in Minnesota includes three types of liability insurance, which each must meet a specific minimum amount of coverage:

  • No-fault insurance, or personal injury protection, pays for your medical bills and loss of income if you are injured in an accident as either a driver or a passenger, regardless of who is at fault in the accident. You must carry a minimum of $20,000 for medical coverage, and a minimum of $20,000 for loss of income.

  • Liability insurance pays for injuries and property damages suffered by other people if you were found at fault for the accident. You must carry a minimum of $30,000 for bodily injuries per person, meaning that the total minimum you must carry is $60,000 to cover the lowest possible number of people involved (the two drivers). You must also carry a minimum of $10,000 for property damage.

  • Uninsured motorist insurance pays for medical costs above your personal injury protection in the event that you are involved in an accident with an uninsured motorist. The minimum amount of required uninsured for motorist insurance is $50,000.

This means that the total amount of required minimum insurance for any driver in Minnesota is $160,000.

Other types of insurance

Although Minnesota does not require other types of insurance, you may wish to consider additional coverage for added protection in the event of an accident. These include:

  • Collision Coverage, to pay for accident-related damages to your car.

  • Comprehensive Coverage, to pay for non-accident-related damages to your car.

  • Rental Coverage, to cover the cost of a necessary rental.

Minnesota Automobile Insurance Plan

All insurance providers in Minnesota can refuse to insure high-risk drivers. In order for these drivers to obtain the necessary legal coverage, they can apply to selected insurance providers through the Minnesota Automobile Insurance Plan, or MNAIP. Even companies that have previously denied specific drivers insurance must provide coverage through the Minnesota Automobile Insurance Plan program.

Proof of insurance

Any driver operating a vehicle in Minnesota must carry proof of insurance in their car at all times. You must present proof of insurance to a law enforcement officer upon request. You will also need proof of insurance in order to register your vehicle.

Acceptable forms of proof of insurance include:

  • The insurance card from an authorized insurance provider

  • A copy of your insurance policy

  • A letter from your insurance provider

In order to register a vehicle or renew registration, your proof of insurance must include the following information:

  • Name of insurance provider

  • Policy number

  • Policy’s expiration date

Violation penalties

If you fail to carry the proper insurance in Minnesota, you may be subject to one of the following penalties:

  • A misdemeanor citation

  • Possible imprisonment

  • Suspension of driver’s license

  • Suspension of vehicle registration

  • A $30 reinstatement fine to re-obtain your driving privileges

For more information, contact the Driver and Vehicle Services Division of the Minnesota Department of Public Safety through their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

P0121 OBD-II Trouble Code: TPS "A" Circuit Range Performance Problem
P0121 code definition Throttle Pedal Position Sensor/Switch (TPS) A Circuit Range Performance Problem What the P0121 code means P0121 is a generic OBD-II code which indicates that the Engine Control...
P0222 OBD-II Trouble Code: Throttle/Pedal Position Switch/Sensor B Circuit Low Input
P0222 code definition Throttle/Pedal Position Switch/Sensor B Circuit Low Input What the P0222 code means The manufacturer specifies a range of acceptable voltage to be produced from the throttle position...
Rules of the Road For Iowa Drivers
Driving on the roads requires knowledge of the rules, many of which are based on common sense and courtesy. However, even though you know the rules in...


Related questions

Q: Can an accident cause the alignment to be off and the front left strut to leak even when only the body was damaged visually?

If the speed at time of impact was over 10 MPH and you jumped the curb, the alignment can easily be disturbed not to mention the possibility, indeed likelihood if the speed was high enough, of damage to the unibody...

Q: What is "diminished value" as it refers to a totaled car?

Hi, thanks for writing in. The insurance company can use "diminished value" for a number of reasons. The overall condition of the vehicle not including the wreck, above average mileage, etc. I would ask them what criteria they are using...

Q: Do I need gap insurance?

Gap insurance is designed to cover the difference between what is owed on the vehicle (your car loan) and what the insurance company may pay out in the event of an accident or loss. Any example might be a situation...