In Minnesota,what insurance needed if car for sale parked not driven on street,on driveway,in garage?

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Asked October 2, 2018

1 Answer


In Minnesota, if a car is parked and not being driven on a public street, road, or highway, it is not required to have auto insurance. However, if the car is parked on a driveway or in a garage, it may still be a good idea to have insurance coverage in case of theft, damage, or other unexpected events. Here are some types of insurance coverage that may be worth considering for a parked car in Minnesota:

  • Comprehensive Coverage: This type of coverage helps protect your car against damage caused by events such as theft, vandalism, or natural disasters like hail or a fallen tree. Comprehensive coverage is not required by law, but it may be a good idea if you want to protect your car from non-driving related risks.
  • Storage Coverage: Some insurance companies offer a storage coverage option for cars that are not being driven. This coverage is designed for vehicles that are being kept in a garage or other storage facility and are not being driven at all. It typically offers more limited coverage than standard auto insurance, but can be a more affordable option for a parked car.
  • Liability Coverage: While liability insurance is required by law in Minnesota for cars that are being driven on public roads, it may also be a good idea to have liability coverage for a parked car. This can help protect you in case someone is injured or their property is damaged while on your property, such as if a visitor is injured while near your parked car.
It's important to note that insurance requirements and coverage options may vary depending on the specific circumstances and insurance provider. As such, it's a good idea to speak with a licensed insurance agent to discuss your specific situation and explore your coverage options.

Answered October 4, 2018 by jamesjones

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