Minnesota Auto Insurance Requirements: What Drivers Need to Know

Minnesota Auto Insurance Basics

Minnesota is a "no-fault" auto insurance state, which affects how coverage works and what minimums are required.

Required Coverage in Minnesota

Liability Coverage

Minnesota requires minimum liability limits of:

• $30,000 bodily injury per person
• $60,000 bodily injury per accident
• $10,000 property damage per accident

This is often written as 30/60/10.

Personal Injury Protection (PIP)

As a no-fault state, Minnesota requires PIP coverage with minimum limits of:

• $40,000 for medical expenses
• $20,000 for non-medical expenses (lost wages, replacement services)

PIP covers you regardless of who caused the accident.

Uninsured/Underinsured Motorist Coverage

Minnesota requires:

• $25,000 per person
• $50,000 per accident

This protects you if you're hit by a driver without adequate insurance.

Understanding No-Fault Insurance

In Minnesota's no-fault system:

• Your own insurance pays for your injuries regardless of fault
• You generally cannot sue for minor injuries
• You can step outside no-fault for serious injuries

Threshold for Lawsuits

You can sue the at-fault driver if:

• Medical expenses exceed $4,000
• Injuries result in permanent disfigurement, disability, or death
• Injuries cause 60+ days of disability

Optional Coverage to Consider

Collision Coverage

Pays for damage to your vehicle from accidents, regardless of fault.

Comprehensive Coverage

Covers non-collision damage: theft, vandalism, weather, animal strikes.

Higher Liability Limits

The minimums may not provide adequate protection. Many financial advisors suggest at least 100/300/100. For even more protection, consider umbrella insurance which extends your liability limits.

Gap Insurance

If you owe more than your car is worth, gap insurance covers the difference.

Minnesota-Specific Considerations

Winter Driving

Minnesota winters mean higher accident rates. Consider:

• Comprehensive coverage for weather damage
• Adequate medical coverage for winter accidents
• Roadside assistance

Deer Collisions

Minnesota has one of the highest deer collision rates in the country. Comprehensive coverage protects against this.

Next Steps

1. Review your current coverage limits
2. Assess your assets that could be at risk
3. Consider your driving habits and risk factors
4. Discuss options with a licensed insurance professional

If you own a home, bundling your home insurance with auto can often save you money. For complete cost information, see how much car insurance costs in Minnesota.