Most states require proof of insurance before anyone is allowed to renew registration of a vehicle. Minnesota makes a slight exception. Since 2003, the DPS has been randomly mailing insurance verification form to vehicle owners. Owners are then required to fill out the form proving maintenance of proper vehicle liability insurance. The purpose of state mandated insurance regulations is to reduce the number of uninsured drivers on the road.
Minnesota also has a "no-fault" law regarding insurance. This does not mean that insurance covers all damage resulting from collisions regardless of who is at fault. Rather, no-fault covers only personal injuries caused by a vehicle accident. The minimum no-fault coverage that a driver is required to carry is $40,000.
If you are caught driving an uninsured vehicle on a public road, you may face fines and imprisonment. You also could possibly lose your driving privileges. You must provide proof of insurance to police officers if they request it.
Learning about insurance requirements can be a daunting prospect. Fortunately, the Minnesota Department of Commerce has published a comprehensive guide to vehicle insurance. You can view it here.
Note: This article was accurate when it was published. Please confirm all details directly with the MN DPS. You can visit the MN DPS website or contact the DPS directly by phone or email.
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