Minimum Car Insurance in Minnesota
The liability limits Minnesota requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Minnesota requires residual liability coverage of at least 30/60/10: $30,000 for bodily injury to one person, $60,000 for injury to two or more people in one accident, and $10,000 for property damage. Minn. Stat. §65B.49, subds. 3 and 3a; §65B.44, subd. 1
| Minimum coverage required | Minnesota requires residual liability coverage of at least 30/60/10: $30,000 for bodily injury to one person, $60,000 for injury to two or more people in one accident, and $10,000 for property damage. Every policy must also include basic economic loss (no-fault/PIP) benefits of at least $40,000 per person ($20,000 for medical expenses and $20,000 for income loss, replacement services, funeral and survivor losses), plus separate uninsured and underinsured motorist coverages of at least $25,000 per person and $50,000 per accident each. PIP amounts: https://www.revisor.mn.gov/statutes/cite/65B.44 |
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| At-fault or no-fault | Minnesota is a no-fault state. Each policy provides basic economic loss benefits (at least $20,000 medical and $20,000 for income loss and related losses per person) regardless of fault. An injured person may sue for noneconomic damages (such as pain and suffering) only if reasonable medical expenses exceed $4,000, or the injury results in permanent disfigurement, permanent injury, death, or disability for 60 days or more. PIP benefits: https://www.revisor.mn.gov/statutes/cite/65B.44 |
| Uninsured motorist coverage | Uninsured and underinsured motorist coverages are both required: every policy for a vehicle registered or principally garaged in Minnesota must include them separately, each with limits of at least $25,000 per person and $50,000 per accident, and every owner must maintain them. Insurers are not required to provide UM/UIM limits higher than the policy's bodily injury liability limits. Source: Minn. Stat. §65B.49, subd. 3a |
More Minnesota car insurance & vehicle laws
- Driving Without Insurance in Minnesota
- SR-22 Insurance in Minnesota
- When a Car Is a Total Loss in Minnesota
- Transferring a Car Title in Minnesota
- All Minnesota car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Minnesota?
Minnesota requires residual liability coverage of at least 30/60/10: $30,000 for bodily injury to one person, $60,000 for injury to two or more people in one accident, and $10,000 for property damage. Every policy must also include basic economic loss (no-fault/PIP) benefits of at least $40,000 per person ($20,000 for medical expenses and $20,000 for income loss, replacement services, funeral and survivor losses), plus separate uninsured and underinsured motorist coverages of at least $25,000 per person and $50,000 per accident each.
Is Minnesota a no-fault car insurance state?
Minnesota is a no-fault state. Each policy provides basic economic loss benefits (at least $20,000 medical and $20,000 for income loss and related losses per person) regardless of fault. An injured person may sue for noneconomic damages (such as pain and suffering) only if reasonable medical expenses exceed $4,000, or the injury results in permanent disfigurement, permanent injury, death, or disability for 60 days or more.
Is uninsured motorist coverage required in Minnesota?
Uninsured and underinsured motorist coverages are both required: every policy for a vehicle registered or principally garaged in Minnesota must include them separately, each with limits of at least $25,000 per person and $50,000 per accident, and every owner must maintain them. Insurers are not required to provide UM/UIM limits higher than the policy's bodily injury liability limits.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.