Car insurance · Minnesota
Car insurance requirements in Minnesota
Liability 30/60/10, $40,000 no-fault, and uninsured and underinsured motorist coverage. Claims system: no-fault.
Verified summaryAll Minnesota insurance topics
Requirements
Minimum car insurance requirements in Minnesota
| 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 |
What the law requires you to carry
- 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
Uninsured drivers
Uninsured motorist coverage in Minnesota
Uninsured motorist $25,000 / $50,000 and underinsured motorist $25,000 / $50,000. Both required.
Optional coverage
Coverage you can add in Minnesota
- Collision
- Comprehensive
- Higher liability, no-fault, uninsured and underinsured limits
Penalties
Penalties for driving without insurance in Minnesota
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.
Good to know
Other things 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.
Contacts
Who to contact in Minnesota
- 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 reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Minnesota.
Home insurance resources and the health marketplace for Minnesota are on its overview page.