Fines for failure to provide vehicle insurance increased.

HF 3106 increases fines for drivers operating vehicles without insurance in Minnesota. It raises the minimum fine for a first offense to $200 (up from lower amounts), $550 for a second offense within 10 years, and $850 for three or more offenses within 10 years. Drivers can avoid conviction by submitting proof of insurance to court before their first appearance. The bill also clarifies procedures for both vehicle owners and non-owners to provide insurance verification. It takes effect August 1, 2025, applying to violations occurring on or after that date.