Minnesota Car Insurance Requirements (2024)
Understand the car insurance requirements in Minnesota and stay compliant with the law. Discover the coverage options, policy limits, and legal obligations for drivers in Minnesota. Ensure you have the right protection on the road to safeguard yourself and others. Learn more about the minimum insurance requirements and additional coverage options available to you.
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Angie Watts
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Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...
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UPDATED: Dec 11, 2023
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Welcome to our comprehensive guide on Minnesota car insurance requirements. Understanding the legal obligations and coverage options is essential for all drivers in Minnesota.
In this article, we will delve into the minimum car insurance requirements mandated by the state, including liability coverage and personal injury protection. Additionally, we will explore important topics such as uninsured/underinsured motorist coverage, optional coverage add-ons, and factors that can affect your insurance rates.
Discover unbeatable Minnesota car insurance discounts by simply entering your ZIP code. Compare quotes from leading insurance providers in your area to secure the finest coverage at the most competitive rates. Safeguard yourself and your vehicle with confidence on the road – seize this opportunity today!
Required Coverage
Minnesota car insurance laws require all personal vehicles to follow liability coverage requirements:
- Bodily Injury
- Property Damage
Read more: Car Insurance Laws: A Comprehensive Guide
Additionally, Minnesota requires:
- Uninusred / Underinsured Motorist Bodily Injury
- Personal Injury Protection (PIP)
| Minimum Minnesota Car Insurance Requirements | |||
|---|---|---|---|
| Bodily Injury Liability | $30,000 / $60,000 Limit | ||
| Property Damage Liability | $10,000 Limit | ||
| Uninsured/Underinsured Bodily Injury | $25,000 / $50,000 Limit | ||
| Personal Injury Protection | $40,000 Limit | ||
Additional insurance coverage can include:
- Comprehensive and Collision Coverage
Collision and comprehensive insurance can help fill coverage gaps. Collision will pay for expenses related to repairing or replacing your vehicle after an accident. Comprehensive will cover non-accident related damage such as damage from a fire or having your car stolen. A list of the most stolen vehicles in Minnesota shows which
cars could benefit most from this.
Proof of Insurance and Financial Responsibility
Establishing proof of insurance and financial responsibility
- Get a standard liability car insurance policy
- Get a policy through the Minnesota Automobile Insurance Plan
Required Documentation
In order to provide proof of insurance, you can provide one of the following:
- Insurance ID Card
- Proof of insurance through the Minnesota Automobile Insurance Plan
You must maintain proof of insurance and financial responsibility and present it:
- When asked by a police officer
- After an accident
- When registering or renewing your vehicle’s registration
- Anytime you are operating a vehicle
Failure to Maintain Financial Responsibility Penalties
If you are unable to show proof of insurance, you can face the following penalties:
- Charged with a misdemeanor or gross misdemeanor if it is a subsequent offense within 10 years of a prior offense
- Fines between $250 – $1,000 and/or up to 90 days in jail
- Suspension or possible revocation of your license
Minnesota Insurance Agents
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Frequently Asked Questions
What are the minimum auto insurance requirements in Minnesota?
In Minnesota, drivers are required to carry liability coverage with minimum limits of 30/60/10. This means $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $10,000 for property damage.
Is it mandatory to have uninsured/underinsured motorist coverage in Minnesota?
While uninsured and underinsured motorist coverage is not mandatory in Minnesota, insurance companies are required to offer this coverage to all policyholders. However, you have the option to reject it in writing.
Are there any no-fault insurance laws in Minnesota?
Yes, Minnesota follows a no-fault system for auto insurance. This means that in the event of an accident, each driver’s insurance company is responsible for covering their respective insured’s medical expenses, regardless of who was at fault.
Are there any additional auto insurance requirements in Minnesota?
Yes, Minnesota law requires drivers to carry personal injury protection (PIP) coverage of at least $40,000. PIP covers medical expenses, lost wages, and other related costs resulting from injuries sustained in an accident, regardless of fault.
Can my insurance company increase my premium if I file a claim?
In Minnesota, insurance companies are prohibited from increasing your premium solely based on the fact that you filed a claim for personal injury or medical expenses under your PIP coverage.
Is there a statute of limitations for filing auto insurance claims in Minnesota?
Yes, there is a statute of limitations for filing auto insurance claims in Minnesota. Generally, you have six years from the date of the accident to file a lawsuit for property damage, and six years from the date of discovery of an injury to file a lawsuit for personal injury.
Can my auto insurance policy be canceled or non-renewed by the insurance company?
Insurance companies in Minnesota can cancel or choose not to renew your policy for specific reasons, such as non-payment of premiums, fraud, or a suspended driver’s license. However, they must provide you with proper notice as required by law.
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Angie Watts
Licensed Real Estate Agent
Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...
Licensed Real Estate Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.