Car Insurance Requirements in Minnesota (2024)

Minnesota drivers must carry at least 30/60/10 limits for liability coverage in addition to personal injury protection and uninsured/underinsured motorist coverage.

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Updated September 9, 2024

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Cheapest recent rates in Minnesota

Drivers in and around Minnesota have found policies from Bristol West, The General, Direct Auto, and more, through Insurify in the last few days.

We just helped a driver in Saint Peter, Minnesota cover their Jeep Cherokee with this quote from National General.

A Minneapolis, Minnesota driver just saved on coverage for their Tesla Model Y with this quote from Safeco.

We just helped a driver in East Grand Forks, Minnesota cover their Chevrolet Blazer with this quote from Direct Auto.

A Spring Valley, Minnesota driver just saved on coverage for their Ford F-Series Pickup with this quote from Bristol West.

The General helped a Chevrolet Blazer driver in East Grand Forks, Minnesota save on car insurance with this quote.

*Quotes generated for Insurify users from Minnesota within the last 10 days. Last updated on September 9, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 9, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

We just helped a driver in Minneapolis, Minnesota cover their Jeep Grand Cherokee with this quote from Safeco.

A Sauk Rapids, Minnesota driver just saved on coverage for their Chevrolet Traverse with this quote from National General.

We just helped a driver in Saint Cloud, Minnesota cover their Chrysler Town & Country with this quote from Direct Auto.

A Montevideo, Minnesota driver just saved on coverage for their Dodge Durango with this quote from Bristol West.

The General helped a Land Rover Range Rover driver in Saint Paul, Minnesota save on car insurance with this quote.

*Quotes generated for Insurify users from Minnesota within the last 10 days. Last updated on September 9, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 9, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Table of contents

• Minnesota requirements
• State minimum coverage
• Liability only
• Full coverage
• Penalties of no insurance
• Optional coverages
• FAQs

• Minnesota requirements
• State minimum coverage
• Liability only
• Full coverage
• Penalties of no insurance
• Optional coverages
• FAQs

Table of contents

• Minnesota requirements
• State minimum coverage
• Liability only
• Full coverage
• Penalties of no insurance
• Optional coverages
• FAQs

• Minnesota requirements
• State minimum coverage
• Liability only
• Full coverage
• Penalties of no insurance
• Optional coverages
• FAQs

Most states require drivers to carry a minimum amount of auto insurance. However, the required coverage levels vary among states. As a Minnesota driver, understanding its specific insurance requirements can help you avoid the potential penalties of driving without the right coverage. Minnesota not only requires liability coverage, but also personal injury protection (PIP) and uninsured/underinsured motorist coverage. PIP coverage, also known as no-fault coverage, pays for your own injuries after an accident, regardless of fault.

In addition to the minimum amount of required coverage, some drivers choose to purchase more protection. Here’s what you need to know about car insurance requirements in Minnesota.

Minnesota car insurance requirements

Minnesota has a 30/60/10 minimum requirement for car insurance, which means drivers must carry at least $30,000 per person and $60,000 per accident for bodily injury liability and $10,000 per accident for property damage liability.

Drivers must also carry at least $40,000 in PIP coverage per accident and $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage. [1]

Bodily injury liability

Bodily injury liability is part of your liability car insurance coverage. Minnesota law requires drivers to carry at least $30,000 per person and $60,000 per accident. [1]

If you cause an accident, this coverage will help pay for the other party’s medical costs, up to the policy limits. This insurance won’t cover your medical bills for injuries from a car accident you cause.

Property damage liability

Property damage liability is the other half of your liability car insurance. Minnesota state law requires drivers to carry at least $10,000 per accident in property damage liability coverage. [1]

This type of insurance covers repair costs and damage expenses to other cars and property in an accident you cause. Again, property damage liability coverage doesn’t cover damage to your own car.

Personal injury protection (PIP)

Minnesota requires drivers to carry at least $40,000 per person in personal injury protection (PIP) coverage. The coverage breaks down into $20,000 for hospital and medical expenses and $20,000 for non-medical expenses. [1] Non-medical expenses could include lost wages, replacement services, up to $2,000 in funeral expenses, and more.

Your PIP insurance provides coverage for you and your passengers regardless of fault. After an accident, you first make a claim through your PIP insurance for coverage. If you’re not at fault and your expenses exceed your PIP coverage, you then make a claim against the at-fault driver’s liability coverage. [1]

Uninsured/underinsured motorist coverage

Minnesota requires drivers to carry $25,000 per person and $50,000 per accident in both uninsured and underinsured motorist coverage. If an uninsured (or underinsured) driver causes an accident and you suffer bodily injury, uninsured motorist coverage covers your medical expenses.

If the at-fault driver surpasses their bodily injury liability coverage limits, your underinsured motorist coverage will pay the rest of your medical expenses.

Get State-Minimum Coverage in Minnesota

Rates are as low as $63 per month