Non-owner car insurance in Minnesota

Who provides non-owner insurance in Minnesota?

Below are quotes for 5 companies, starting with the least expensive.

For drivers in Minnesota who have no car, the state's own reinstatement form gives a direct answer: get put on someone else's policy, or take out your own operator's or non-owner's policy. After that, you must keep the coverage for one full calendar year.

A simple explanation of the cover Minnesota requires

Minnesota Statutes 65B.49 requires liability of $30,000 for an injury to one person, and $60,000 for two or more. You need $10,000 in coverage for damage to property. Minnesota follows a no-fault system. Your policy includes basic economic loss benefits, so your own medical costs and lost income get paid regardless of who caused the crash. The Commerce Department auto insurance guide states that personal injury protection is $40,000 for each person.

Two more parts are needed. Uninsured motorist cover steps in and pays you when the at-fault driver carries no insurance. Underinsured coverage helps when the at-fault driver’s limits run short. The minimum for each is $25,000 per person, with a per-accident total of $50,000.

Getting your Minnesota license back: what DVS asks for as proof of insurance

Minnesota does not use an SR-22; it has its own Insurance Certification, form PS35016. Before a revoked license is restored, this form must reach Driver and Vehicle Services (DVS). It must carry the signature of an authorized person from the insurance company. The form states that your agent cannot sign.

A conviction for driving uninsured is one trigger. Under section 169.797, a conviction causes a license revocation of up to 12 months. Then the certificate must be filed, and the state may require no cancellation for up to a year.

People new to the state can turn to rule 7503.0100. An equivalent certification from an approved carrier works if your car is registered in a Canadian province or another state. On its forms page, DVS names PS35016 as the document you use to prove your auto insurance.

Costs and letters while working your way back in Minnesota

DVS mails you a notice of withdrawal, and that letter lists the steps you must take to get reinstated. You can pay online directly from a bank account through the DVS driver compliance page. On that page, type in the Letter ID that appears on your DVS notice. The system does not take credit cards or debit cards.

A revocation for alcohol, drugs, or criminal vehicular operation carries a $680 fee on the DVS table. The charge for all other revocations, including a no-fault insurance one, is $30. A suspended license costs $20 to reinstate. Rule 7503.1200 adds two more requirements after a DWI: you must apply for a new license and pass an exam.

What you pay in Minnesota, by age

The yearly cost for teens is about $757. The average yearly cost to insure your own car at the minimum for a driver aged 40 is $852, about $500 higher than the $352 for a non-owner policy.