Commissioner of commerce required to create a low-cost motor vehicle insurance program for low-income residents, report required, and money appropriated.

HF 2215 creates a state-run low-cost auto insurance program called the "Minnesota Lifeline Insurance Program" for low-income residents who meet specific eligibility criteria. The Commissioner of Commerce must establish this program, requiring a facility to develop and operate it, set affordable rates based on claims data and administrative costs, and offer online applications through a dedicated website. The bill appropriates state funds for the program, mandates annual reports to the legislature detailing participation and costs, and requires rates to cover claims, expenses, and investment income while remaining accessible. This program directly affects low-income Minnesotans who struggle to afford standard auto insurance, providing them with a state-supported alternative.