The Minnesota Automobile Assigned Risk Plan (MNAIP) became effective December 18, 1942. The name was changed to the Minnesota Automobile Insurance Plan. The Plan became statutory effective January 1, 1972.
All insurers writing automobile insurance in Minnesota are required to participate in the MNAIP.
All agents and brokers holding a valid license to transact automobile insurance in the state of Minnesota are eligible to submit applications to the Plan.
Applicants must declare and certify that they have tried and failed to obtain automobile insurance in Minnesota within the preceding 60 days and have been unable to obtain such insurance at rates not exceeding those applicable under the Plan. Applicants must also have a valid drivers license or be eligible to obtain one through a filing. For further information, consumers should consult their agent or broker.
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