Minnesota Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Minnesota mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Drivers must submit proof of insurance before they can register their vehicle.

Minnesota Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Minnesota they are as follows:

• Bodily Injury for One Person: $30,000
• Bodily Injury for All Injuries: $60,000
• Property Damage: $10,000
• Personal Injury Protection: $40,000

Minnesota Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Minnesota requires everyone to carry minimum UM/UIM coverage of $25,000 per person and $50,000 per accident.

No Fault Insurance
Minnesota is a No Fault state meaning that a driver will have their injuries paid for by their insurance company no matter who is at fault.