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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Richard

15 years of experience
60 reviews
Richard
15 years of experience
Ford F-150 - Brake Pads Replacement (Front, Rear) - Fremont, California
Excellent communicator, walked me through the fixes and even gave me an idea of what might be next on the fix list.
Dodge Grand Caravan - Brake Pads Replacement (Front, Rear) - Union City, California
quickly diagnosed the problem but knew it would take longer than appt time to fix. since we had appt the next day for brakes he rearranged his schedule to do it all together the next day. very knowledgeable, friendly, and professional.

Tung

14 years of experience
285 reviews
Tung
14 years of experience
Hyundai Elantra - Brake Pads Replacement (Rear) - Mableton, Georgia
Very detailed and customer service oriented. Did an amazing job fixing my back brakes and even set-up a schedule of future appointments for my car!
Ram 1500 - Brake Pads Replacement (Front) - Marietta, Georgia
Tung showed up on time and was very friendly. Changed my brake pads in about 30 minutes and gave me recommendations on when to change the rear pads. Will ask for him by name next time.

Horus

9 years of experience
103 reviews
Horus
9 years of experience
Land Rover Range Rover - Brake Pads Replacement (Front, Rear) - San Antonio, Texas
Horace worked on my Land Rover today. Showed up on time and was professional and courteous. Replaced front and rear break pads. Great job!

Juan

11 years of experience
37 reviews
Juan
11 years of experience
Dodge Avenger - Brake Pads Replacement (Front) - Mountain House, California
Was very thorough in explaining the condition of the car and how the repairs will impact it’s service.

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