Bill > HF2215

This bill establishes the Minnesota Lifeline Insurance Program, a low-cost motor vehicle insurance initiative designed to provide affordable coverage for low-income residents. The program requires the commissioner of commerce to work with the state's insurance facility to develop and operate an insurance program with specific eligibility criteria. To qualify, applicants must be Minnesota residents with household incomes at or below 300% of the federal poverty level, have qualified health coverage, and maintain a clean driving record with continuous licensure for three years. The lifeline policy will offer basic coverage including economic loss benefits, bodily injury and property damage protection, and uninsured motorist coverage. The program will be funded through a 10-cent per vehicle surcharge on automobile insurance policies, which will create a special revenue account for marketing and outreach efforts. The bill mandates that the facility create a website for program applications, set rates that cover program expenses, and submit annual reports to the legislature detailing program performance. Licensed insurance producers will be required to provide clear information about the policy and will receive a 12% commission. The goal is to provide accessible, affordable automobile insurance to low-income residents who might otherwise struggle to obtain coverage.

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https://www.revisor.mn.gov/bills/bill.php?b=House&f=HF2215&ssn=0&y=2025