Penalties for Driving Without Car Insurance in Minnesota

Crime: Policeman gives driver a traffic ticket.
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Each state in its own way of trying to deter drivers from driving without car insurance. Minnesota is no different. The law requires all Minnesota drivers to carry limits of liability at a minimum of 30,000 / 60,000 and 10,000 for property damage. If a driver tries to get away without following the law, certain penalties are going to be imposed.

  • Revoked license (Must Meet Requirements for Reinstatement)
  • $200 fine plus $75 fee

It is possible to get community service for reduced fines. 

Usually driving without car insurance in Minnesota is considered a misdemeanor. If a driver receives 3 or more citations for driving without car insurance, it becomes a gross misdemeanor with much tougher penalties.

  • Revoked Vehicle Registration for Up to 12 Months
  • Revoked Driver's License for Up to 12 Months 
  • $200 fine plus $75 fee

It is possible to receive the tougher penalties if you are in a car accident without car insurance. One place nobody wants to be in any state is caught in a car accident with no car insurance. Expect the penalties from law enforcement. On top of that, expect to be held personally liable for all damages for which you were deemed at fault.

Does the State of Minnesota Track Active Car Insurance Policies

Minnesota does not currently have a proof of insurance reporting system in place. In 2012 they were estimated to have 10.8% of drivers uninsured.

Right now Minnesota is considering electronic monitoring but does not appear to be moving forward anytime soon due to the high cost of implementing and maintaining the system.

Expect to show proof of insurance when registering or renewing your vehicle registration. Also, make sure your proof of insurance is available in case of a traffic stop.

The state of Minnesota does allow drivers who are caught without proof to get off the hook if proof can be provided showing coverage on said dates to the court before the court date.

You Are Going to Need SR-22 on Your Car Insurance

In order to get your driver's license reinstated, you need to get car insurance. At the time you get car insurance you will need to get an SR-22 filing added. The filing will notify the state of Minnesota of your car insurance coverage being active or not active. The cost of an SR-22 filing is not much but the overall cost of car insurance for a driver with no prior coverage can be tough to cover. Start by looking into car insurance agencies who offer high-risk car insurance policies. Always shop around for car insurance before committing to a new policy.