All Minnesota drivers are legally required to carry three types of auto insurance:

  • Standard liability with a minimum coverage of 30/60/10 (see the chart below)
  • Uninsured and underinsured motorist bodily injury with a minimum of 25/50 (see the chart below)
  • Personal injury protection, or PIP with a minimum of $40,000.

Minnesota is considered to be a “No-Fault State”. This simply means that no matter who is at fault in an accident, each party involved is responsible for their own damages. This is where your PIP comes in, to help you (and any passengers in your vehicle) pay any injury related expenses, regardless of whom was at fault in the accident.

Although “No-Fault” insurance limits the rights of an injured party to sue for damages, at-fault drivers can be held accountable for any expenses over the injured party’s PIP. The standard liability is in place to help cover these costs.

Finally, the uninsured and under-insured motorist insurance is put in place to help you in the event that you are injured by a driver with inadequate liability insurance. This benefit is applies only after your PIP has been exhausted.

Minnesota drivers can also benefit with the extra protection of collision and comprehensive insurance coverages, available through all Minnesota auto insurance providers.

Coverage Type Required? Minimum Coverage Amount Required
Bodily Injury Liability Yes $30,000 per person$60,000 per accident
Property Damage Liability Yes $10,000
Uninsured Motorist Bodily Injury Yes $25,000 per person$50,000 per accident
Underinsured Motorist Bodily Injury Yes $25,000 per person$50,000 per accident
Personal Injury Yes $40,000

Auto Insurance for Leased Vehicles in Minnesota (MN)

Most leasing companies in Minnesota typically require drivers to maintain insurance coverage which exceeds the minimums set by Minnesota state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000
  • Comprehensive and collision coverage: $500 maximum deductible

Car Insurance Agents By City/Town In MN

For More Information About Auto Insurance In Minnesota, Contact:

Minnesota Driver and Vehicle Services 
445 Minnesota Street
St. Paul, MN 55101
Minnesota Division of Insurance 
85 Seventh Place East, Suite 500
St. Paul, MN 55101