Minnesota Minimum Car Insurance Requirements
Minnesota requires all drivers to carry liability insurance: $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage.
Driving without insurance can result in fines up to $1,000, license suspension, and vehicle impoundment.
These minimums are the law. Insurance companies are NOT immigration enforcement and cannot report you to ICE.
Can Immigrants Get a License in Minnesota?
Minnesota does NOT currently allow undocumented immigrants to get a standard drivers license.
However, you can use an ITIN (Individual Taxpayer Identification Number) to get car insurance, even without a Minnesota license.
Visit https://www.irs.gov/individuals/individual-taxpayer-identification-number to apply for an ITIN if you do not have one.
Best Insurance Options for Immigrants in Minnesota
Many major insurers accept ITIN numbers instead of SSN: Acceptance, Bristol West, Infinity, National General, and others.
Get quotes from multiple companies. Rates vary based on driving history, vehicle, and coverage level.
Your insurance data is protected by the Gramm-Leach-Bliley Act. Insurers cannot share your personal information with ICE or immigration authorities.
Tips for Immigrant Drivers in Minnesota
Keep proof of insurance in your vehicle at all times during Minnesota winters, when checkpoints are more common.
If pulled over, remain calm and provide your insurance card. You do not need to answer questions about immigration status.
Contact a lawyer immediately if asked immigration questions. Many Minnesota nonprofits offer free legal advice for immigrants.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Covers injuries to other people |
| Bodily Injury (per accident) | $50,000 | Total per accident |
| Property Damage | $25,000 | Covers damage to other vehicles/property |
| Uninsured Motorist (UM) | Required | $25,000/$50,000 minimum |
| Personal Injury Protection (PIP) | Required | No-fault medical coverage required |
📋 Official Sources
Frequently Asked Questions
Yes. Use an ITIN (Individual Taxpayer Identification Number) instead. Insurance companies accept ITIN as proof of identity. Getting insurance does NOT report you to ICE.
No. Minnesota requires proof of lawful presence. Check if you qualify for a standard license or ID card at your local DMV office.
30/60/10: 30k bodily injury per person, 60k per accident, 10k property damage. Uninsured motorist coverage also required by state law.
State Farm, Geico, Progressive, and local insurers work with ITIN numbers. Get quotes from multiple companies - rates vary based on driving history.
Insurance requires a valid Minnesota license or ID. A foreign license alone is not enough. You need a Minnesota driver license to legally drive and insure a car.