I am a licensed agent in Minnesota, the first and foremost answer would be "YES". Not because of the fear of hitting another person but because someone riding in the vehicle could be injured. Technically you wouldn't be required to insure the vehicle because it wasn't operated off the property. That being said it would be foolish if not disasterous not to have coverage because medical, liability and uninsured/underinsured coverage would be unavailable should injury or accident occur. I would strongly suggest a "liability only policy". (If you have ever run into court costs and understand that no one ever plans for an accident to occur, you would understand the ramifications of going "Naked". The average attorney charges us $200 per hour to defend you. Just think about having to pay that to defend yourself should disaster strike. Average court case settles in 36 months. Ouch!)
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