Minnesota Car Insurance Requirements
Numbers refreshed
Minnesota drivers must carry this minimum coverage, and here's what it pays for.
- $49.average monthly cost for liability coverage.
- 30/60/10.the smallest liability limits that apply.
- 31st of 51.the most expensive of the states (1st = highest).
What the state of Minnesota requires
| Cover | Minimum |
|---|---|
| Bodily injury, per person | $30,000 |
| Bodily injury, per crash | $60,000 |
| Property damage, per crash | $10,000 |
| Personal injury protection | Required, $40,000 |
| Uninsured motorist | Required |
| Underinsured motorist | Required |
| Fault system | No-fault |
Source: Minnesota Department of Commerce, Auto Insurance Guide (PDF); Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).
What the limits pay for
Minnesota requires liability limits of at least 30/60/10. Each person hurt is covered up to $30,000, everyone hurt in one crash up to $60,000, and damage to other people's property up to $10,000.
A newer car and medical bills often cost more than these limits. Many drivers buy 100/300/100 instead because amounts above those limits can be claimed from you. In Minnesota, a liability policy costs $586 a year on average.
Driving with no insurance
In Minnesota, driving uninsured can cost you your license and registration. Getting them back may require filing proof of insurance, for several years.
Send any questions to the Minnesota Department of Public Safety, Driver and Vehicle Services (DVS).
More about car insurance in Minnesota
First written