Most states in the U.S., including Minnesota, require drivers to have motor vehicle insurance. Yet, it is estimated that 10.8% of Minnesota drivers and 12.5% of drivers nationally drive without insurance. Minnesota currently has a manual process to verify insurance coverage yet in practice, coverage is verified only in select cases. More than 30 other states have some type of electronic verification system.
The 2014 Minnesota Legislature created a task force to "review and evaluate approaches to insurance coverage verification and recommend legislation to create and fund a program in this state." The Final Report of the Motor Vehicle Insurance Coverage Verification Task Force, released on February 1, 2015, offers a comprehensive review of the issue and offers recommendations related to Minnesota's program.
A recent posting in the Pew Charitable Trust's Stateline blog, "States Look to Reduce Ranks of Uninsured Drivers", offers a glimpse of the problem around the country and looks at state government efforts to address this ongoing concern.