• Minnesota residents must have automobile insurance. Required coverage includes uninsured motorists coverage, underinsured motorists coverage, personal injury coverage and liability insurance coverage. Minnesota state law considers a first offense of driving without insurance a misdemeanor and any subsequent offenses are gross misdemeanors
  
  

Fees

• Your local law-enforcement agency may charge a fee of $200 or more for failure to provide proof of insurance. For those who lack the ability to pay the fine, community service hours may be required in lieu of fines. The court may waive the fee if you purchase car insurance and provide proof of insurance to the courts within a given time frame.
  
  

License and Registration Revocation

• Your driver's license may be temporarily suspended or complete revoked if you receive a citation for failure to provide proof of insurance. You will be able to apply for a new license after paying required fees and providing proof of insurance. Your vehicle registration may also be revoked until you purchase insurance.
  
  

Jail Time

• Law also allows jail sentences of up to 90 days to also be imposed each time a law enforcement office issues an insurance citation. Courts are more likely to sentence you to jail time if you have repeatedly been caught driving without insurance.