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Minnesota Car Insurance

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Drivers in Minnesota who fail to provide proof of car insurance may result in fines, and even jail time.

Minnesota Penalties for Driving Without Car Insurance

In the state of Minnesota, it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in Minnesota include: license suspension, up to 90 days in jail and fines of up to $1000.

What is Considered Full Coverage Auto Insurance in Minnesota?

According to the Minnesota Department of Public Safety, Minnesota‘s car insurance laws require all drivers to present proof of liability insurance when they register their vehicle. Minnesota vehicle owners with cars registered in their name must be able to certify that they have insurance and that it meets state minimum requirements for:

  • $30,000 for bodily injury to or death of one individual and $60,000 for any one accident
  • $40,000 for personal injury protection in any one accident
  • $10,000 for injury to the property of others in any one accident


Minnesota DUI/DWI Laws and Penalties

Minnesota DUI laws state that drivers with a Blood Alcohol Concentration (BAC) of 0.08 or more are considered to be driving under the influence. Minnesota law enforcement primarily use the term DWI (Driving While Impaired) which is the same as a DUI in other states. Minnesota DUI laws also prohibit driving under the influence of controlled substances such as marijuana, cocaine or inhalants. In Minnesota a first offense DUI conviction carries fines of up $1,000, license suspension of 90 days to one year, and up to three months in jail. A second offense DUI conviction raises the penalties to up to $3,000 in fines, one-year license suspension, and up to a year in jail. A third offense DUI conviction carries permanent licensure revocation unless you complete a court-ordered alcohol treatment plan.

Minnesota Cell Phone Driving Laws and Texting While Driving Laws

The state of Minnesota currently does not have a full ban on cell phone use for all drivers. However, novice drivers under the age of 18 are prohibited from using a cell phone in any manner (talking, texting, playing games, etc.) while driving. Minnesota also has a texting while driving ban for all drivers. It is a minor misdemeanor and violators could face a fine up to $300.

Minnesota SR-22 Insurance Documents

Minnesota SR-22 insurance documents are not required for drivers who have been convicted of driving without auto insurance, however, they can be required if you have an SR-22 filing in another state and move to Minnesota. An SR-22 form may need to be filed for three years with your former state, showing proof of financial responsibility. This filing is usually required after the suspension of your driving privileges has been lifted. Your insurer can electronically file SR-22 insurance documents with your former state for drivers that are required to keep and show valid auto liability insurance.

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