State guide
Insurance in Minnesota
Required coverage, penalties, official contacts and sources for Minnesota, reviewed 2026-10.
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Car insurance
What Minnesota requires.
Liability 30/60/10, $40,000 no-fault, and uninsured and underinsured motorist coverage. Claims system: no-fault.
| Coverage | Requirement in Minnesota |
|---|---|
| Bodily injury liability | $30,000 for injuries to one person / $60,000 for injuries to two or more people |
| Property damage liability | $10,000 |
| Injury protection | No-fault (personal injury protection, or basic economic loss benefits): $40,000 per person per accident |
| Uninsured / underinsured motorist | Uninsured motorist $25,000 / $50,000 and underinsured motorist $25,000 / $50,000. Both required |
Required coverage
- Bodily injury liability: $30,000 for injuries to one person and $60,000 for injuries to two or more people
- Property damage liability: $10,000
- No-fault (PIP, also called basic economic loss benefits): $40,000 per person per accident
- Uninsured motorist: $25,000 for injuries to one person and $50,000 for two or more people
- Underinsured motorist: $25,000 for injuries to one person and $50,000 for two or more people
Other coverage commonly available
- Collision
- Comprehensive
- Higher liability, no-fault, uninsured and underinsured limits
If you drive without required coverage
Penalties for driving without required coverage are set by Minnesota law. Confirm current penalties with the Minnesota Department of Public Safety, Driver and Vehicle Services.
Notices
What to know in Minnesota.
- The Minnesota No-Fault Automobile Insurance Act requires basic economic loss benefits and liability coverage on vehicles you own. They are required if the vehicle must be registered or licensed in Minnesota.
- No-fault is the personal injury protection on your policy. Its costs are paid no matter who is at fault, and it applies only to expenses from injuries sustained in an accident.
- No-fault claims must be made within six months of the accident. You must include proof of expenses, complete an application for benefits, and submit to a medical examination if requested.
- No-fault (PIP) is not required for motorcyclists in Minnesota.
- The Department of Commerce publishes a No-Fault Certification Form listing companies that have agreed to provide Minnesota no-fault benefits to their non-Minnesota insureds involved in an accident while driving in Minnesota.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Department of Commerce
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Minnesota Department of Commerce regulates insurance and publishes consumer guides, including an Auto Insurance Guide.
Health insurance
MNsure
MNsure (state-based marketplace)
- KFF lists Minnesota as a state-based marketplace (MNsure) for 2026. State marketplaces can set their own enrollment dates, so confirm them on the marketplace site.
Contacts
Who to contact.
- Minnesota Department of Commerce
- Website: mn.gov/commerce
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
Keep going.
Open the guides for your state, or choose another state.