Car Insurance Requirements in Minnesota (2024)
Minnesota drivers must carry at least 30/60/10 limits for liability coverage in addition to personal injury protection and uninsured/underinsured motorist coverage.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 21, 2024
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Table of contents
Most states require drivers to carry a minimum amount of auto insurance. However, the required coverage levels vary among states. As a Minnesota driver, understanding its specific insurance requirements can help you avoid the potential penalties of driving without the right coverage. Minnesota not only requires liability coverage, but also personal injury protection (PIP) and uninsured/underinsured motorist coverage. PIP coverage, also known as no-fault coverage, pays for your own injuries after an accident, regardless of fault.
In addition to the minimum amount of required coverage, some drivers choose to purchase more protection. Here’s what you need to know about car insurance requirements in Minnesota.
Minnesota car insurance requirements
Minnesota has a 30/60/10 minimum requirement for car insurance, which means drivers must carry at least $30,000 per person and $60,000 per accident for bodily injury liability and $10,000 per accident for property damage liability.
Drivers must also carry at least $40,000 in PIP coverage per accident and $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.[1]
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Cheapest Auto Insurance in Minnesota (2024)
Bodily injury liability
Bodily injury liability is part of your liability car insurance coverage. Minnesota law requires drivers to carry at least $30,000 per person and $60,000 per accident.[1]
If you cause an accident, this coverage will help pay for the other party’s medical costs, up to the policy limits. This insurance won’t cover your medical bills for injuries from a car accident you cause.
Property damage liability
Property damage liability is the other half of your liability car insurance. Minnesota state law requires drivers to carry at least $10,000 per accident in property damage liability coverage.[1]
This type of insurance covers repair costs and damage expenses to other cars and property in an accident you cause. Again, property damage liability coverage doesn’t cover damage to your own car.
Personal injury protection (PIP)
Minnesota requires drivers to carry at least $40,000 per person in personal injury protection (PIP) coverage. The coverage breaks down into $20,000 for hospital and medical expenses and $20,000 for non-medical expenses.[1] Non-medical expenses could include lost wages, replacement services, up to $2,000 in funeral expenses, and more.
Your PIP insurance provides coverage for you and your passengers regardless of fault. After an accident, you first make a claim through your PIP insurance for coverage. If you’re not at fault and your expenses exceed your PIP coverage, you then make a claim against the at-fault driver’s liability coverage.[1]
Uninsured/underinsured motorist coverage
Minnesota requires drivers to carry $25,000 per person and $50,000 per accident in both uninsured and underinsured motorist coverage. If an uninsured (or underinsured) driver causes an accident and you suffer bodily injury, uninsured motorist coverage covers your medical expenses.
If the at-fault driver surpasses their bodily injury liability coverage limits, your underinsured motorist coverage will pay the rest of your medical expenses.
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Do you need more than state-minimum coverage in Minnesota?
A liability-only policy meets the state’s minimum coverage requirements. While liability-only policies tend to be the cheapest option, they might not offer enough financial protection for every driver.
For some drivers, it’s a good idea to purchase a full-coverage auto insurance policy. This includes collision and comprehensive insurance, which covers your vehicle’s damages after an incident. Additionally, some drivers might purchase a policy with higher liability coverage limits.
For Example
Let’s say you have state-minimum car insurance and cause an accident that results in $50,000 in damages. With only the state’s minimum of $10,000 in property damage liability coverage, the costs exceed your policy limits, which means you’ll pay $40,000 out of pocket.
How much coverage you need is a personal decision based on your unique financial situation. Drivers with enough emergency savings to cover repairs after an accident might forgo a full-coverage insurance policy. But drivers who want help covering repair costs after an accident should consider a full-coverage policy.
But if you finance or lease your car, the lender or lessor might require you to purchase comprehensive and collision coverages to protect its investment.
The cost of liability-only car insurance in Minnesota
Minnesota drivers pay an average of $104 per month for liability-only car insurance. After an accident you cause, this coverage helps pay for the other parties’ injuries and damages.
Here are average car insurance quotes from insurance companies in Minnesota.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| National General | $68 |
| Safeco | $71 |
| Progressive | $88 |
| Direct Auto | $92 |
| Liberty Mutual | $129 |
| Bristol West | $137 |
| The General | $182 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The cost of full-coverage car insurance in Minnesota
Drivers with a full-coverage insurance policy tend to pay more. On average, drivers in Minnesota pay $201 per month for a full-coverage policy. Although it’s more expensive, a full-coverage policy comes with more robust financial protection on the road.
The table below shows the average costs of a full-coverage car insurance policy by insurance company in Minnesota.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Safeco | $133 |
| National General | $145 |
| Progressive | $152 |
| Direct Auto | $179 |
| Liberty Mutual | $252 |
| Bristol West | $287 |
| The General | $377 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Penalties for driving without proof of insurance in Minnesota
If you drive without sufficient insurance in Minnesota, expect severe penalties. Depending on the situation, you might face the following:
Fines: You might face a fine of at least $200. In some cases, the state will accept community service instead of the fine.[2]
Misdemeanor charges: The state may charge you with a misdemeanor for driving without the minimum amount of insurance.
License and registration revocation: The state may revoke your driver’s license and plates if you fail to show proof of insurance.[3]
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Optional car insurance coverages to consider
While you must carry a minimum amount of coverage, you can also purchase optional insurance coverages for more protection on the road. Below is a closer look at some of the optional coverages available:
Collision coverage
Collision coverage pays for your vehicle repairs if you hit a stationary object or another vehicle, regardless of fault.
Comprehensive coverage
Comprehensive coverage pays for vehicle damages from non-collision incidents, like hitting an animal, severe weather, falling objects, theft, and more.
Rideshare coverage
If you drive for services like Uber or Lyft, rideshare insurance provides extra coverage while you use the vehicle for commercial purposes.
Rental reimbursement coverage
Rental reimbursement coverage helps you pay for a rental car while your vehicle is in the repair shop after a covered claim.
Minnesota car insurance requirements FAQs
Here’s what you need to know about a car insurance declaration page. You can also check out the answers to common questions about Minnesota auto coverage requirements below.
Does Minnesota require car insurance?
Yes, Minnesota drivers are required to carry a minimum amount of car insurance. Minnesota requires drivers to carry 30/60/10 liability insurance, $40,000 in personal injury protection, and 25/50 in underinsured and uninsured motorist bodily injury coverage.[1]
What two types of insurance must drivers in Minnesota carry?
All drivers in Minnesota must hold 30/60/10 in liability coverage, which amounts to $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $10,000 in property damage liability per accident. Additionally, drivers must carry personal injury protection and uninsured and underinsured motorist coverage.[1]
Do you need car insurance to register a car in Minnesota?
Yes. You must have car insurance to register a car in Minnesota.[4]
How long can you drive without insurance after buying a car in Minnesota?
Most car dealerships require drivers to provide proof of insurance before driving off the lot, so you can’t drive a car without buying car insurance. Call your insurance company to ask about adding a new car to your policy before heading to the dealership.
Does insurance follow the car or the driver in Minnesota?
In general, insurance follows the vehicle. For example, if someone else borrows your vehicle and causes damages and injuries, your insurance policy should kick in. Ultimately, the details vary based on your unique insurance policy.[1]
Related articles
More cities in Minnesota
Sources
- Minnesota Department of Commerce. "Auto Insurance: What You Need to Know."
- Minnesota Legislature. "169.791 Criminal Penalty for Failure to Show Proof of Insurance."
- Minnesota Driver and vehicle Services. "Automobile Insurance."
- Anoka County. "First Time Minnesota Registration."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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