Minnesota has many requirements for auto insurance coverage.  Minnesota auto insurance uses a “no-fault” system, which means that, regardless of fault, a drivers own insurance will cover their own medical expenses/damages in the event of an accident.  Since they operate under a “no-fault” system, Minnesota requires its drivers to carry personal injury protection coverage (aka PIP), uninsured motorist bodily injury coverage, and standard liability coverage.  A “no-fault” system helps prevent frivolous law suits, however it means that every driver by law has to be insured.  In the event of an accident, PIP insurance covers medical expenses, lost wages, and, if needed, funeral expenses.  Uninsured motorist bodily injury protects a driver in the event of an accident with an uninsured driver or in the event of a hit-and-run.

Q: “What is the minimum amount of auto insurance coverage that I need in Minnesota?”

The minimum amount for Minnesota’s liability policy (or bodily injury/property damages) is seen on a policy as 30/60/10. This means the minimum amount of coverage is $30,000 for personal injury, $60,000 for all persons involved, and $10,000 for any property damage.  Minnesota’s minimum amount of PIP coverage is $20,000 for any injuries caused by an accident and $20,000 coverage for income loss, funeral, or related expenses.  The minimum amount of uninsured motorist bodily injury coverage is 25/50, which is $25,000 per person or $50,000 for all drivers involved.  A driver should ensure that they have enough coverage to financially protect themselves.

Compare Minnesota Car Insurance Rates Online

Minnesota’s average auto insurance rates are average compared to nation wide.  Its important to check with multiple providers in order to get the best rates for auto insurance.  At autoinsurancebystate.com, you can get multiple rates from the top insurance companies in seconds.  Protect yourself and your wallet!

Current Providers in Minnesota

For More Information

Minnesota Department of Commerce
85 7th Place East, Suite 500
St. Paul, MN 55101
Phone: (651) 296-4026