Minnesota Auto Insurance Laws: All You Need to Know

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Car insurance is required for all drivers in the state of Minnesota. Policies must include liability coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP).
Minnesota-mandated insurance limits are 30/60/10 for liability coverage, meaning that drivers must have $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $10,000 in property damage liability per accident.
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Minnesota auto insurance requirements

Here are the minimum requirements for auto insurance coverage in Minnesota:
Minimum Liability Coverage: 30/60/10
Uninsured Motorist (UM)/Underinsured Motorist (UIM) Coverage
Personal Injury Protection (PIP)
$30,000 bodily injury per person
$25,000 bodily injury for one person (UM)
$20,000 medical expenses per person
$60,000 bodily injury per accident
$50,000 bodily injury for 2+ people (UM)
$20,000 non-medical expenses per person
$10,000 for property damage per accident
$25,000 bodily injury for one person (UIM)
$50,000 bodily injury for 2+ people (UIM)
$4,500 rehabilitation expenses per person

Liability coverage in Minnesota

Liability coverage
covers the property damage and medical expenses of others if you are at fault in an accident. Liability coverage does not cover your own property damage or medical expenses, so you’ll need to rely on collision insurance and PIP for coverage if you are at fault in a collision.

Uninsured motorist (UM)/underinsured motorist (UIM) coverage in Minnesota

Uninsured motorist (UM)/underinsured motorist (UIM) coverage
covers you in the unfortunate case that you get into an accident with an at-fault driver who doesn’t have sufficient insurance coverage.
So, if you get into an accident with an uninsured or underinsured driver, you will have your UM/UIM coverage to utilize for any damages.

Personal injury protection (PIP) in Minnesota

Minnesota is a
no-fault state
, so drivers must exhaust their own insurance policies for medical expenses—regardless of who is at fault—before the at-fault driver’s insurance kicks in. Drivers use their
personal injury protection (PIP)
coverage for this.
If you exhaust your PIP insurance limits and are not at fault in an accident, you can file a claim with the at-fault driver’s insurance provider to cover your remaining medical expenses.

State-mandated car insurance limits

An insurance limit is the maximum amount your insurance provider will pay to cover expenses in each category of coverage. It is basically the legally required minimum amount of insurance coverage you can have and still be considered a legal driver.
Minnesota’s state-mandated limits for liability coverage are represented by three numbers and referred to as "split limits": 30/60/10. Minnesota’s 30/60/10 liability coverage is spelled out below:
While these are the state-mandated coverage limits, you are always welcome to purchase a policy with higher limits. This might be a good idea, as it could really protect you in the case of an accident that results in expensive medical bills or property damage.
Remember, after your insurance policy is exhausted, you will be held personally liable for any additional coverage. For this reason, you’ll probably want to pay a slightly higher monthly rate for higher liability limits.
Key Takeaway Minnesota drivers must have liability coverage, uninsured/underinsured motorist coverage, and personal injury protection. It’s a good idea to purchase higher liability limits to protect yourself should you ever be found at fault for a car collision.

Do Minnesota’s required insurance minimums provide enough coverage?

Minnesota’s state-mandated car insurance limits provide a decent amount of coverage, but it’s always a good idea to purchase more insurance coverage than is legally required.

Penalties for driving without insurance in Minnesota

There are various penalties for
driving without insurance
in Minnesota:
  • License and
    registration
    potentially being revoked
  • License and registration reinstatement fees of $30
  • Fine of at least $200
On top of facing legal penalties for driving without insurance in Minnesota, you will also be looking at higher insurance rates.

Optional auto insurance coverage in Minnesota

Along with the legally mandated car insurance requirements in Minnesota, we suggest looking into one or more of these optional coverage options:
  • Comprehensive coverage
    can cover the costs of physical damages to your vehicle that are not the result of a collision (e.g. vandalism).
  • Collision coverage
    can help you cover the cost of repairs for your vehicle after a collision with another vehicle or fixed object.
  • Medical payments coverage
    covers the cost of medical bills or funeral expenses resulting from a collision.
  • Roadside assistance helps with things like fixing flats, towing, or jump-starting a battery. The type of coverage will vary between policies and companies.
  • Rental car reimbursement
    will cover the cost of a rental vehicle if you are unable to drive your car.
Key Takeaway To protect yourself in case you are ever at fault in a car accident in Minnesota, it’s a good idea to purchase additional coverage.
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Where to buy car insurance in Minnesota

Whether you are driving in Minnesota or any other U.S. state,
Jerry
, the
car insurance
expert and
trusted comparison tool
,
is here to help with all your insurance needs.
Jerry scans rates
from over 50 name-brand insurance providers and delivers the best quotes directly to you in minutes. Make your pick, and Jerry takes care of the rest—securing your new insurance and helping to cancel your old policy.
The average Jerry user saves over $800 a year on car insurance!
"I was able to save big on my insurance policy today with Jerry and am very excited that I did! Finding an insurance that is affordable these days is hard to find, but I want to assure anyone out there that there is one who is reliable and that one insurance company is Jerry. Just download the app and fill in all your information and someone will be there to help you with the final quote. Thanks to Jerry for making this dream possible for me today!" —Satisfied Jerry customer
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FAQs

Do you need car insurance in Minnesota?

Yes, you need car insurance in Minnesota. Minnesota car insurance laws require drivers to have liability insurance. Since Minnesota is a no-fault state, Minnesota drivers also need uninsured/underinsured and PIP coverage.

What does it mean that Minnesota is a no-fault state?

Minnesota is a no-fault state, which means that even if you are not at fault in an accident, you will be required to exhaust your own insurance policy before getting paid out by the at-fault driver’s insurance provider. For this, you’ll typically be using your personal injury protection (PIP), which is required for all drivers in Minnesota.

Does insurance follow the car or the driver in Minnesota?

As in most states, insurance follows the car in Minnesota. This means that you buy insurance coverage for a particular vehicle—not necessarily a particular driver.
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