Frequently Asked Questions

Can I keep the car insurance I have from my previous state of residence?
No. It does not matter whether you are moving to or from Minnesota, all drivers are required to cancel the auto insurance policy held in their previous state of residence. Once that is done, these individuals must apply for a policy in their new state.

For more information: Minnesota Auto Insurance – Get a Quote and Save

Do I need to cancel my insurance if I am moving to another state?
Yes. Each state requires that moving drivers cancel their previous vehicle insurance policy before they apply for another one at their new state of residence. Minnesota drivers are required to have coverage policies within the state s borders.

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How can I avoid a license suspension if I choose not to insure my vehicle?
If you do not have the necessary car insurance in Minnesota but no longer plan on driving your vehicle, there is one way to avoid drivers license suspension. You must visit a local Department of Public Safety location and turn in your vehicle registration and license plates, essentially surrendering your privileges to drive that car.

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If I have been in an accident, what property damage do I have to report?
Any driver that is involved in an accident involving injury, death or property damages of at least $1,000 is required to report the crash to Minnesota Driver and Vehicle Services within 10 days of the crash. To do so, fill out the Motor Vehicle Crash Report.

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If I live outside of the state for half the year, am I still required to have car insurance?
Yes. Drivers within the state of Minnesota must get car insurance and maintain the coverage as long as they are considered residents. Only if you move to another state can you cancel your current insurance policy and purchase one in another state.

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If I own multiple vehicles, am I required to have them all insured?
All Minnesota residents must carry proof of financial responsibility if they wish to legally operate a motor vehicle within the state. This means that if you have more than one vehicle, you must get car insurance for each vehicle. Luckily, many MN insurance companies offer discounts for insuring more than one vehicle on the same insurance policy. Check with your insurance company to find out if the multi-car discount is available and if you are eligible to use the discount. Also, when choosing a car insurance provider and checking car insurance quotes, make sure to look for insurance companies that offer the multi-car discount.

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What is the minimum liability insurance coverage?
The breakdown of minimum car insurance coverage in Minnesota is as follows:

  • Personal Injury Protection:
    • $40,000 per person for one accident
    • $20,000 goes to the hospital and medical expenses and $20,000 goes to non-medical expenses
  • Liability Insurance:
    • $30,000 for one person s injuries
    • $60,000 for two or more people s injuries
    • $10,000 for property damage
  • Underinsured Coverage:
    • $25,000 for one person s injuries
    • $50,000 for two or more people s injuries
  • Uninsured Coverage:
    • $25,000 for one person s injuries
    • $50,000 for two or more people s injuries

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What proof of insurance can I provide when registering my car?
There are plenty of ways that you can show proof of MN auto insurance when registering a car with the Department of Public Safety. You can bring any of the following documents:

  • A car insurance card
  • A copy of your insurance policy
  • A letter from your coverage provider on the company s letterhead

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What type of car insurance am I required to have?
The state of Minnesota requires all drivers to have the following types of auto insurance to legally operate a motor vehicle:

  • Personal Injury Protection
  • Liability Insurance
  • Underinsured coverage
  • Uninsured coverage

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What will happen if I fail to get or keep car insurance?
Drivers who are caught operating a vehicle without the proper Minnesota auto insurance minimums will face the following penalties:

  • A minimum fine of $200
  • Possible time in jail
  • Drivers license revocation
  • Vehicle registration revocation

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Which types of vehicles need to be insured?
A wide variety of vehicles require proper vehicle insurance if their owners plan to operate them within the state of Minnesota. Some of the vehicles that require coverage include:

  • Passenger cars
  • Pickup trucks
  • Motorcycles
  • Commercial cars
  • Commercial trucks

For more information: Minnesota Auto Insurance – Get a Quote and Save