Maskay guide

I moved to Minneapolis, Minnesota: can I keep my out-of-state auto insurance?

The move itself does not answer whether an existing auto policy can stay in force. Minnesota requires owners to maintain insurance for a vehicle that must be registered or is principally garaged in the state. The policy must satisfy Minnesota’s no-fault and liability rules. Call the current insurer with the new address, where the car will be parked, who drives it and when you plan to register it. Ask whether the company is authorized to write the required Minnesota coverage and can issue or rewrite the contract for the new garaging location. Do not rely on an old state’s insurance card as proof that the policy now meets Minnesota requirements.

Maskay editorial team Updated

Know which protections Minnesota requires

The state Commerce Department describes four required coverage components: personal injury protection (PIP), residual liability, and uninsured and underinsured motorist coverage. Minnesota’s basic no-fault benefits total at least $40,000 per injured person: $20,000 for medical expenses and $20,000 for non-medical expenses such as lost income and replacement services. The statutory liability minimums are $30,000 for injury to one person, $60,000 for two or more people in one crash, and $10,000 for property damage. Uninsured and underinsured motorist coverage each have minimum limits of $25,000 per person and $50,000 per crash.

Those are legal floors, not a recommendation that the minimum is enough for your household. Commerce advises consumers to compare several quotes and notes that minimum insurance may not protect all assets. Ask the agent to quote the same limits, deductibles, drivers and vehicles from each carrier. If a lender holds the title, check any separate collision or comprehensive requirements in the loan or lease.

A Twin Cities agency to include in the comparison

Bernauer Insurance Agency identifies auto coverage, compares multiple carriers and serves Minneapolis and the wider Twin Cities. Its Minneapolis office is by appointment in Northeast Minneapolis; the agency publishes 952-956-2502 for Spencer Bernauer, Monday–Friday 8:30 a.m.–5 p.m., with Saturday appointments by arrangement. The licensed business address on the Minnesota Sircon record is 10150 234th Street East, Lakeville; its official site does not publish a street address for the Minneapolis meeting point.

The state inquiry showed the agency license active and Spencer’s Property and Casualty producer qualifications active when checked September 28, 2026. Direct Google Maps showed 4.9/5 from 25 reviews for the agency’s Lakeville listing, not a separate Minneapolis-office rating. Read the reviews as customer experiences, then verify current insurer options, policy forms and prices yourself. A broker can compare available products, but cannot guarantee a quote, savings or a claims result.

Before cancelling the former policy, get written confirmation of the Minnesota policy’s effective date and proof of coverage. Give the insurer accurate details about the vehicle’s overnight location, regular drivers and commute. Then use the state’s license lookup if you want to check the producer or agency again, and provide the new Minnesota insurance information when registering the vehicle.

Explore the profiles: Bernauer Insurance Agency

Editorial selection

Recommended options

These options match the need described in this guide. Compare scope, current conditions and verified information before making a decision.

01
Independent insurance agency

Bernauer Insurance Agency

10150 234th St E, Lakeville, MN 55044; Minneapolis office by appointment in Northeast Minneapolis, MN 55413 (street address not published)

4.9 /5 25 reviews

Independent family agency serving Minneapolis and the Twin Cities, with a Lakeville office, auto coverage and a Minneapolis meeting point by appointment.

What reviews consistently mention

Tres reseñas visibles de Google hablan de atención de seguros a largo plazo, comunicación clara y respuestas rápidas. Se refieren a la agencia en general y no acreditan resultados de reclamaciones de auto.

Hours: Official site: Monday–Friday 8:30 a.m.–5 p.m.; Saturday by appointment; Sunday closed. Direct Google Maps for Lakeville shows weekends closed. Minneapolis meetings by appointment. Verified: September 28, 2026
View Maskay profile → Official website ↗
Verification

Sources & references

Sources for the information and reporting discussed in this guide.

  1. Official website ↗ Primary source bernauerinsurance.com · Accessed September 28, 2026

    MASKAY Minnesota · documentary evidence shared by English and Spanish editions.

  2. Insurance Agency in Northeast Minneapolis | Bernauer Insurance Agency ↗ Primary source bernauerinsurance.com · Accessed September 28, 2026

    MASKAY Minnesota · documentary evidence shared by English and Spanish editions.

  3. Minnesota Auto Insurance Agents | Bernauer Insurance Agency ↗ Primary source bernauerinsurance.com · Accessed September 28, 2026

    MASKAY Minnesota · documentary evidence shared by English and Spanish editions.

  4. Contact Pat and Spencer | Bernauer Insurance Agency ↗ Primary source bernauerinsurance.com · Accessed September 28, 2026

    MASKAY Minnesota · documentary evidence shared by English and Spanish editions.

  5. Minnesota License Inquiry Service | Sircon ↗ Primary source www.sircon.com · Accessed September 28, 2026

    MASKAY Minnesota · documentary evidence shared by English and Spanish editions.

  6. Sec. 65B.48 MN Statutes ↗ Primary source www.revisor.mn.gov · Accessed September 28, 2026

    MASKAY Minnesota · documentary evidence shared by English and Spanish editions.

  7. Sec. 65B.49 MN Statutes ↗ Primary source www.revisor.mn.gov · Accessed September 28, 2026

    MASKAY Minnesota · documentary evidence shared by English and Spanish editions.

  8. Auto Insurance Basics | Minnesota Department of Commerce ↗ Primary source www.commerce.mn.gov · Accessed September 28, 2026

    MASKAY Minnesota · documentary evidence shared by English and Spanish editions.

  9. Shopping for Auto Insurance | Minnesota Department of Commerce ↗ Primary source www.commerce.mn.gov · Accessed September 28, 2026

    MASKAY Minnesota · documentary evidence shared by English and Spanish editions.

  10. Google Maps ↗ Community source www.google.com · Accessed September 28, 2026

    MASKAY Minnesota · documentary evidence shared by English and Spanish editions.

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I moved to Fargo, North Dakota: what do I need to register my car?

A move to Fargo creates two deadlines that are easy to mix up. North Dakota’s Highway Patrol FAQ says a vehicle must be registered when residency is established or employment is accepted, whichever comes first. The same state FAQ says that, in ordinary cases, a person is considered a resident after living in North Dakota for 90 days; it lists exceptions for nonresident students, tourists and members of the armed forces, and says full-time students and military personnel are exempt from registration if they keep valid home-state plates displayed. The state does not describe 90 days as a universal grace period for every driver: accepting a job may trigger the registration duty sooner. Ask the Motor Vehicle Division if your work or residency situation is unusual.

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