Minnesota car insurance requirements
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Minimum mandatory auto insurance in Minnesota
Car insurance minimums typically provide enough coverage to help pay liability claims related to others’ accident-related injuries and property damages. Your liability insurance minimums for Minnesota are:
- $60,000 bodily injury liability per accident (Minnesota Commerce Departments, p. 3).
- $30,000 bodily injury liability per person (Minnesota Commerce Departments, p. 3).
- $10,000 property damage liability per accident (Minnesota Commerce Departments, p. 3).
Personal Injury Protection is sometimes called No-Fault insurance, and it covers your medical expenses and other related costs. In Minnesota, your minimum PIP must include:
- $40,000 per person per accident (Minnesota Commerce Departments, p. 3).
- $20,000 for medical expenses (Minnesota Commerce Departments, p. 3).
- $20,000 for non-medical expenses (Minnesota Commerce Departments, p. 3).
Uninsured motorist coverage protects you if you are in an accident with someone without auto insurance. Minnesota's uninsured motorist policy requirements include:
- $25,000 bodily injury liability per person (Minnesota Commerce Departments, p. 3).
- $50,000 bodily injury liability per accident (Minnesota Commerce Departments, p. 3).
Underinsured motorist coverage protects you if you are in an accident with someone with insufficient insurance. Minnesota's underinsured motorist policy requirements include:
- $25,000 bodily injury liability per person (Minnesota Commerce Departments, p. 3).
- $50,000 bodily injury liability per accident (Minnesota Commerce Departments, p. 3).
The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions. We are not responsible for the content of any third-party sites that may be linked or mentioned in this article.
References
Minnesota Commerce Department. (n.d.) Auto Insurance Guide. https://mn.gov/commerce-stat/pdfs/auto-insurance-guide.pdf