Auto Insurance

Minnesota Auto Insurance Requirements and Suggestions

Insurance laws in the state of Minnesota require all drivers to acquire the minimum auto insurance policy. The state’s law on insurance is different from other states that apply the no-fault concept. Therefore, you need to be aware of the differences to avoid fines and penalties that come with not acquiring auto insurance.

In a no-fault state, damages and injuries that result from an accident are incurred by each driver’s insurance no matter who is at fault. However, if your costs surpass your insurance limit, you can recover the extra charges from the other party.


Car insurance is essential for vehicle owners as you need it to register or renew your vehicle’s registration. The law requires you to provide evidence that you have insurance anytime a police officer asks for it. You are liable to a fine if you fail to provide proof of insurance. Also, you risk a suspension of registration and driver’s license. If you are unable to pay the fine, you will render community service or a jail term not exceeding 90 days. Repeat offenders get higher fines, compulsory jail term or revocation of the driver’s license.

Determining Auto Insurance Premiums

At Up North Insurance Agency, Inc., we assess your insurance premiums based on several factors that include:

  • Your age, gender, and marital status
  • Type of car
  • Previous car insurance coverage
  • Driving record
  • Geographical location
  • Frequency of driving
  • Driving experience
  • Vehicle use
  • Credit history

Up North Insurance Agency, Inc. provides full coverage to vehicle owners in Minnesota based on the state’s insurance laws.

Visit our office or give us a call for an evaluation and a quote. Avoid the hassle that comes with the consequences of driving without insurance and protect your vehicle with full coverage. Also, try our online rating tool for quotes from home.