Vehicle Ownership in Minnesota — Car Alpha

Complete guide to vehicle ownership in Minnesota: insurance requirements (30/60/10), lemon law protections, emissions testing, registration fees, and EV incentives.

Minnesota Overview

Midwest · Capital: St. Paul

Minnesota requires liability insurance and has a no-fault insurance component. The state has a lemon law for new vehicles and offers growing incentives for EV adoption.

Insurance Requirements

Minimum Coverage

30/60/10

Average Annual Cost

$1,426

$30,000 bodily injury per person / $60,000 bodily injury per accident / $10,000 property damage / $40,000 PIP

Full insurance guide Compare Minnesota rates

Minnesota Lemon Law

Minnesota's Lemon Law covers new vehicles within the warranty period or 2 years, whichever comes first. After four repair attempts or 30 business days out of service, the consumer may seek a refund or replacement.

Full lemon law guide Talk to a lemon law attorney

Emissions Testing

Minnesota requires emissions testing in the seven-county Twin Cities metro area for most vehicles. Testing is performed at state-contracted stations. Newer vehicles and electric vehicles are exempt.

EV Incentives

Minnesota offers rebates of up to $2,500 for battery electric vehicle purchases through its Clean Cars Minnesota initiative. Utility incentives for home charging are also available.

Full EV incentives guide

Registration & Title

Registration Fee

$35 plus registration tax

Title Fee

$8.25

Plate Fee

$6.75

Minnesota charges a $35 base registration fee plus a registration tax based on the vehicle's value (1.285% of base value, which decreases with age). Title fee is $8.25.

Full registration guide