Car insurance in Minnesota
Minnesota is a no-fault state with a minimum liability requirement of30/60/10. Here's what that means, what it costs, and what to check before you buy.
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
Illustrative estimate: roughly $600-$605/year for minimum coverage.
Why this is a range, not a quote
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.
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