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Car insurance in Minnesota

Minnesota is a no-fault state with a minimum liability requirement of 30/60/10. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage30/60/101
Fault systemNo-fault1
Uninsured motoristRequired1
RegulatorMinnesota Driver and Vehicle Services (DVS), a division of the Department of Public Safety

What the minimums actually mean

$30,000 per injured person, $60,000 total per accident for injuries, and $10,000 for property damage, plus mandatory no-fault PIP of $40,000 ($20,000 medical + $20,000 wage-loss/other expenses) - among the highest PIP minimums in the country.

Both UM and UIM bodily-injury coverage are required at a 25/50 minimum on every policy, in addition to the no-fault PIP.

Estimated cost

$720 a year for minimum coverage, $2,577 for full coverage2

Average annual premiums in Minnesota for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

SR-22 & high-risk filings

Typically required after a DUI/DWI, driving uninsured, or reckless driving convictions.

Local conditions worth knowing

Minnesota is a high-risk state for deer-vehicle collisions, and its no-fault structure with a relatively high $40,000 PIP minimum contributes to premiums above some Midwest neighbors.

Frequently asked

What is the minimum car insurance requirement in Minnesota?
Minnesota requires liability limits of at least 30/60/10. $30,000 per injured person, $60,000 total per accident for injuries, and $10,000 for property damage, plus mandatory no-fault PIP of $40,000 ($20,000 medical + $20,000 wage-loss/other expenses) - among the highest PIP minimums in the country.
Is Minnesota an at-fault or no-fault state?
Minnesota is a no-fault state for car insurance claims.
Do I need an SR-22 in Minnesota?
Typically required after a DUI/DWI, driving uninsured, or reckless driving convictions.
Is uninsured motorist coverage required in Minnesota?
Both UM and UIM bodily-injury coverage are required at a 25/50 minimum on every policy, in addition to the no-fault PIP.

Sources

  1. MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
  2. Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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