Minnesota Proposes State-Run Car Insurance Program for Good Drivers

A new bill in the Minnesota House proposes a state-run car insurance program aimed at reducing costs for good drivers, addressing the issue of uninsured driving in the state. Advocates, including DFL House Representative Athena Hollins, point out that car insurance premiums have surged by 58% within the last year, making it increasingly difficult for families to afford this essential coverage. The bill, labeled "Affordable Auto Insurance", is viewed as a solution to lower premiums and improve access to insurance for those with clean driving records.

The bill's sponsors highlight that approximately 10% of Minnesota's drivers are uninsured, and they argue that establishing a state-sponsored car insurance option will help create safer roads by encouraging more drivers to obtain coverage. Munira Mohamed from the ACLU of Minnesota emphasizes the need for equitable insurance options, stating that the state has a responsibility to ensure that all individuals can comply with insurance laws and avoid undue penalties for noncompliance, which often stems from financial hardship.