Minnesota: Insurance Practice Test
Minnesota’s vehicle insurance requirement, proof of insurance and the penalties for driving without it.
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Questions are original and based on the official manual "Minnesota Driver’s Manual" (June 2026), Minnesota Driver and Vehicle Services.
All 13 questions in this practice test
Take the test above first, then use this list to study. Tap “Show answer” to see the correct answer and explanation.
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Which of these is acceptable proof of insurance for the vehicle you will use for the road test?
- A receipt for the vehicle’s registration
- A policy declaration page
- A signed note from the vehicle’s owner
- The vehicle’s title certificate
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Correct answer: A policy declaration page
Acceptable proof of insurance includes the original insurance card issued by the company, the policy declaration page, or e-insurance from the insurance company.
Source: Minnesota Driver’s Manual (June 2026), page 5
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What insurance must owners of motor vehicles driven on public roads carry?
- Collision and comprehensive insurance
- Liability and collision insurance
- No-fault and liability insurance
- Comprehensive and medical-payments insurance
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Correct answer: No-fault and liability insurance
Owners of motor vehicles driven on public roads must carry no-fault and liability insurance.
Source: Minnesota Driver’s Manual (June 2026), page 40
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What must you have in the vehicle at all times?
- A copy of your driving record
- A vehicle inspection certificate
- A receipt for the vehicle title
- Valid proof of insurance
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Correct answer: Valid proof of insurance
You must have valid proof of insurance in the vehicle at all times.
Source: Minnesota Driver’s Manual (June 2026), page 40
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What can failing to provide proof of insurance when asked by a law enforcement officer lead to?
- A required driver improvement course and a vision test
- Revocation of your driver’s license and vehicle registration
- Immediate arrest
- A required road test only
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Correct answer: Revocation of your driver’s license and vehicle registration
Failing to provide proof of insurance when asked by a law enforcement officer can lead to revocation of your driver's license and vehicle registration.
Source: Minnesota Driver’s Manual (June 2026), page 40
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If your driving privileges are revoked for lack of insurance, which test must you pass?
- A road test only
- A vision test only
- A written test
- No test is required
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Correct answer: A written test
If your driving privileges are revoked for lack of insurance, you must pass a written test, among other requirements.
Source: Minnesota Driver’s Manual (June 2026), page 40
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If your driving privileges are revoked for lack of insurance, what must you submit?
- An insurance certificate from your insurance company
- A completed driver improvement course certificate
- A statement from the court hearing
- Six months of prepaid insurance premiums
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Correct answer: An insurance certificate from your insurance company
If your driving privileges are revoked for lack of insurance, you must submit an insurance certificate from your insurance company, among other requirements.
Source: Minnesota Driver’s Manual (June 2026), page 40
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Operating an uninsured vehicle can result in the revocation of what?
- License plates and vehicle registration
- Only the vehicle’s safety inspection sticker
- Only the driver’s license
- Only the vehicle title
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Correct answer: License plates and vehicle registration
Operating an uninsured vehicle can result in the revocation of license plates and vehicle registration.
Source: Minnesota Driver’s Manual (June 2026), page 40
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For how long may your driving privileges be revoked for operating an uninsured vehicle?
- Up to 30 days
- Up to six months
- Up to one year
- Up to five years
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Correct answer: Up to one year
Your driving privileges may be revoked for up to one year for operating an uninsured vehicle.
Source: Minnesota Driver’s Manual (June 2026), page 40
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If convicted of operating an uninsured vehicle, you may be fined up to what amount?
- $300
- $1,000
- $500
- $2,500
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Correct answer: $1,000
If convicted of operating an uninsured vehicle, you may be fined up to $1,000 and sentenced to up to 90 days in jail.
Source: Minnesota Driver’s Manual (June 2026), page 40
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If convicted of operating an uninsured vehicle, you may be sentenced to up to how long in jail?
- 10 days
- 30 days
- 180 days
- 90 days
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Correct answer: 90 days
If convicted of operating an uninsured vehicle, you may be fined up to $1,000 and sentenced to up to 90 days in jail.
Source: Minnesota Driver’s Manual (June 2026), page 40
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What insurance must motorcycle drivers in Minnesota have?
- No-fault insurance and uninsured driver coverage for the motorcycle
- Insurance covering theft of the motorcycle
- Liability insurance covering property damage and injuries to other people
- Collision coverage for the motorcycle
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Correct answer: Liability insurance covering property damage and injuries to other people
Motorcycle drivers must have liability insurance that covers property damage and injuries to other people; no-fault and uninsured driver coverage is optional.
Source: Minnesota Driver’s Manual (June 2026), page 40
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Which misdemeanor conviction may cause your driver’s license to be revoked?
- Driving a vehicle that has a small chip in the windshield glass
- Driving a vehicle when you knew the owner had no no-fault insurance
- Driving a vehicle in a lot without displaying a parking pass
- Driving a vehicle with a dirty license plate on a rainy day
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Correct answer: Driving a vehicle when you knew the owner had no no-fault insurance
A misdemeanor conviction for driving with prior knowledge that the owner had no no-fault insurance is grounds for revocation.
Source: Minnesota Driver’s Manual (June 2026), page 89
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If you own a vehicle without no-fault insurance, when may your license be revoked?
- When you leave it parked on a public street for over one day
- When you sell it to a person who already holds a valid license
- When you drive it or let others drive it, knowing it is not insured
- When you let it sit unused in your own garage for several months
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Correct answer: When you drive it or let others drive it, knowing it is not insured
Owning an uninsured vehicle and driving it or allowing others to drive it with full knowledge it was not insured is grounds for revocation.
Source: Minnesota Driver’s Manual (June 2026), page 89