Insurance Requirements for Car Registration in Minnesota

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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.


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Carlos

27 years of experience
319 reviews
Carlos
27 years of experience
Kia Optima - Brake Pads Replacement (Rear) - Riverside, California
Second time Carlos has come to my place and hooked it up. First to diagnose and replace a starter then break pads, both done fast and perfect. Easy work for Carlos.
Toyota RAV4 - Brake Pads Replacement (Front) - Garden Grove, California
Carlos was awesome! Not only is he an expert, he's fair, honest, and goes above and beyond. I would hire him again, no question. Thanks, Carlos!

Gustavo

16 years of experience
139 reviews
Gustavo
16 years of experience
Ford F-150 - Brake Pads Replacement (Front, Rear) - New Braunfels, Texas
Very friendly and explains things if you are interested. I will continue to work with Gustavo any time I need auto work done - this is my second time out for a different car and will book him for my third car. Already have recommended Gus to my friends.
Nissan Altima - Brake Pads Replacement (Front, Rear) - San Antonio, Texas
An amazing mechanic very hard working and fast. Very helpful with suggestions and comments on better maintenance of my car.

Robert

21 years of experience
62 reviews
Robert
21 years of experience
Dodge Challenger - Brake Pads Replacement (Front) - Fort Worth, Texas
On time, professional, very knowledgeable on vehicles and maintenance issues. Robert took the time to show the condition of parts and explain what did or did not need to be replaced or repaired. He is the best kind of mechanic and not someone who would scam a customer into more costly repairs. I had requested a brake pad replacement and Robert showed me that 3 of the 4 pads were in good condition and would not need replacing and even checked the rear pads for condition. I would highly recommend Robert because he is very ethical in his treatment of customers and because he is also a Veteran! GW

Roberto

8 years of experience
29 reviews
Roberto
8 years of experience
Land Rover Discovery Sport - Brake Pads Replacement (Front, Rear) - Scottsdale, Arizona
Roberto was very professional and courteous and did a great job on my brake replacement. I would recommend him for all services!

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