Although their winters are brutal, Minnesotans know how to have a good time, you betcha. Enjoy deep fried food and locally brewed beer by one of the 11,000 lakes across the state whether your swimming, ice skating, or participating in the Polar Bear Plunge.
Requirement : Yes
Car insurance is required in Minnesota . Drivers must have a minimum of personal injury protection, liability, and uninsured motorist coverage.
Minimum Coverage Car Insurance Requirements:
A minimum personal injury protection, liability, and uninsured motorist coverage is required:
Other Car Insurance Coverage Options:
Personal Injury Protection, liability, and uninsured motorist coverage are the only requirement for Minnesota motorist to have, there are several other types of coverage available to drivers:
Other Forms of Financial Responsibility:
Other legal ways around buying car insurance include: There are no alternative forms of financial responsibility. Minnesota requires all drivers to have minimum coverage.
Proof of Insurance: Yes
You must carry proof of insurance and registration with your vehicle at all times, you must also have proof of insurance in order to renew your registration. The insurance company (provider) will give you an insurance card as proof of insurance.
The card will include:
Violations, Fines & Penalties:
Credit Scores & Determining Your Insurance Premium :
All Minnesota drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. High-risk drivers who are unable to find coverage may be eligible to apply for car insurance through the Minnesota Automobile Insurance Plan.
Other factors that may be used to determine your premiums include:
Discounts : Yes
Discounts available in Minnesota:
All drivers under the age of 18 with learners’ permits or intermediate licenses are banned from all mobile phone use while driving. All drivers are banned from texting while driving. Cell phone and texting violations are considered primary offenses. Violators face a $300 fine.