Minnesota SR-22 Auto Insurance Financial Responsibility Information
It is illegal to operate a motor vehicle in the state of Minnesota without liability insurance. It is the responsibility of the vehicle owner to obtain and maintain insurance at all times, whether the vehicle is in running condition or not. The minimum liability limits for MN read 30/60/10, or $30 thousand per person bodily injury, $60 thousand per accident bodily injury, and $10 thousand in property damage. This is the minimum required by state law, but higher limits are always recommended. If an accident occurs in which you are at fault, your insurance company wills payout up to these limits… but no more. If these are exceeded, you will be responsible for the balance.
If your license is suspended in MN, you will be required to obtain an SR22/Cert to reinstate. You will also be required to pay a reinstatement fee, and possibly additional items (fees, schooling) The SR22/Cert required by the state can be written as an owners policy (with a vehicle), or as a non-owners policy (no vehicle to insure) In either case, you will need to obtain this policy, and maintain it for a given period of time. The state will establish your compliance period, and the policy will be monitored during this time to assure liability insurance in place. WESSELL INSURANCE can write either of these for you to get you in compliance with the state. Also, if there is a problem with another state, and you live in MN, we can sell you a MN based policy with a filing for whichever state you need to release their holds.
A non-owner policy can be purchased if there are no automobile registered in your name, and that applies to all states. However, a non owner policy can be purchased if there is a vehicle/s in the household, but not registered to your name. The exception to this rule is a husband and wife who own a vehicle. In that scenario, the vehicle has to be listed.
Minnesota state information:
MN Dept of Public Safety
Central Office-Town square Bldg
444 Cedar City
St Paul, MN 55101
651-297-3298
