If you are a fully licensed driver then you should be able to apply and obtain your own auto insurance policy at 20 years of age. While your rates will likely be high as a young driver, if you have your Minnesota driver's license and have a car in which you would like to place car insurance you should be able to do so.

If you do not own your own vehicle, or have one in your household which to place coverage on, than you may get a non-owners car insurance policy. This is basically liability coverages that could be used when renting a car or be secondary insurance in you are in an accident in someone else's vehicle. The vehicle owner's policy would be primary.

If you are still living at home with your parents it normally will be cheaper to remain on their car insurance coverage until you move out. Some parents though do want their children to retain their own auto insurance policy once they reach a certain age or if the child has purchased a car which they do not wish to put on their policy.

As an adult at age 20 you can obtain your own car insurance policy in MN. If you were still under 18, and thus considered a minor, than you would normally need to have a parent or guardian sign on your insurance paperwork since minors cannot enter into contracts.

Follow this link for cheap student car insurance information.