What is the minimum car insurance required in Minnesota?

Liability of $30,000 for injuries to one person, $60,000 for two or more, and $10,000 for property damage; personal injury protection of $40,000 per person per accident; and uninsured and underinsured motorist coverage of $25,000 per person and $50,000 per accident each.

What does Minnesota PIP cover?

$40,000 per person per accident, split evenly — $20,000 for hospital and medical expenses and $20,000 for non-medical expenses such as lost wages and replacement services. The non-medical half is what pays for help around the house while you cannot drive.

Is Minnesota a no-fault state?

Yes. Your own PIP pays first regardless of who caused the crash, and your ability to sue the at-fault driver for general damages is limited unless your injuries meet a statutory threshold.

How do uninsured and underinsured coverage work with PIP in Minnesota?

They pay after your PIP benefits are exhausted, for medical claims of those covered by your policy, within their stated limits. They are in addition to PIP rather than instead of it, which makes total available protection higher than any single figure suggests.

Is $10,000 of property damage coverage enough in Minnesota?

It is the legal minimum, but against current vehicle values an ordinary at-fault collision can exceed it, leaving you personally responsible for the difference. It sits oddly against Minnesota’s otherwise generous requirements and is usually cheap to raise.

Minnesota

Auto insurance in Minnesota: what’s required, and what isn’t

By Gaby Valencia, Insurance Content Editor

Last verified August 26, 2026

Minnesota requires four coverages where most states require one or two: liability, $40,000 of personal injury protection, uninsured motorist and underinsured motorist coverage. The PIP benefit is split evenly between medical and non-medical expenses — lost wages and replacement services — which is a more thoughtful structure than most states manage. The weak spot is property damage liability, still sitting at $10,000.

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What Minnesota requires you to carry

Minimum liability limits in Minnesota — 30/60/10
Bodily injury, per person	$30,000
Bodily injury, per accident	$60,000
Property damage, per accident	$10,000

Minnesota also requires

Personal injury protection — $40,000 per person, per accident: Split evenly: $20,000 for hospital and medical expenses and $20,000 for non-medical expenses such as lost wages and replacement services. Few states separate the two so explicitly, and the non-medical half is genuinely useful — it is what pays for childcare and household help while you cannot drive.
Uninsured and underinsured motorist — 25/50 each: Both are compulsory at $25,000 per person and $50,000 per accident. They pay after your PIP benefits are exhausted, and they are in addition to PIP rather than instead of it.

These are floors, not recommendations. Minnesota sets the minimum a driver may legally carry. It does not assess whether that amount would cover a claim you caused. Anything above your limits is your personal exposure.

How Minnesota enforces it

Minnesota requires PIP, liability, uninsured and underinsured coverage on every licensed vehicle, and verifies against carrier data. Driving without it carries criminal penalties as well as licence and registration consequences.

How rates are set in Minnesota

Minnesota is a no-fault state. Your own PIP pays first for medical and non-medical losses regardless of who caused the crash, and suits against the at-fault driver for general damages are limited unless injuries clear a statutory threshold.

The Department of Commerce regulates carriers and publishes an auto insurance guide, while the Department of Public Safety owns driver and vehicle records. The statutory framework is Minnesota Statutes Chapter 65B, with § 65B.49 setting out the required coverages.

Uninsured and underinsured motorist coverages sit on top of PIP rather than replacing it — they pay once PIP benefits are exhausted, for medical claims of those covered by your policy, within their stated limits.

Credit-based insurance scores in Minnesota

Minnesota permits credit-based insurance scores in rating. Because liability, PIP and both UM and UIM are all compulsory, a large share of a Minnesota premium is fixed by statute — leaving the variable portion, where credit lands, to explain more of the difference between two quotes than it would elsewhere.

What actually moves your premium here

Four compulsory coverages — among the most complete requirements anywhere

Liability, PIP, uninsured and underinsured motorist coverage are all required. Very few states compel all four. A Minnesota minimum policy is a genuinely substantial piece of coverage, and there is correspondingly little a driver can strip out to make it cheaper.

The PIP split is unusually thoughtful

Minnesota divides its $40,000 PIP benefit evenly between medical and non-medical expenses. The $20,000 of non-medical coverage — lost wages, replacement services — is the part most states either omit or bury inside a single medical figure, and it is what actually keeps a household running after a serious injury.

UM and UIM stack on top of PIP, not instead of it

Minnesota’s uninsured and underinsured coverages pay after PIP benefits are exhausted. They are additional rather than alternative, which makes the total protection available under a minimum Minnesota policy considerably higher than any single number on the declarations page suggests.

The $10,000 property damage floor is the weak point

Against generous PIP and compulsory UM/UIM, Minnesota leaves property damage liability at $10,000. In a state with hard winters, salted roads and a vehicle fleet skewed toward trucks and SUVs, that is exhausted by an ordinary at-fault collision.

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Comparing carriers in Minnesota

Raise property damage above $10,000. It is the one number Minnesota left behind while building an otherwise unusually complete requirement, and it is typically inexpensive to fix.

Because so much of a Minnesota policy is fixed by statute, the productive comparison is across carriers at identical coverage rather than across coverage configurations. There is not much to restructure.

One habit matters more than any single carrier choice: re-check every year or two, and again after anything that changes your risk profile — a move across town, a new vehicle, a driver added or removed, or a violation ageing off your record. Carriers re-weight their rating factors continuously, so the one that priced you best three years ago is often not the one that prices you best today.

If you need an SR-22 in Minnesota

Minnesota requires proof of financial responsibility to be filed after certain suspensions, including driving uninsured and DWI convictions. Your insurer files it with the Department of Public Safety. Confirm the period for your case with DPS, since it runs from your reinstatement date.

Minnesota auto insurance FAQ

What is the minimum car insurance required in Minnesota?: Liability of $30,000 for injuries to one person, $60,000 for two or more, and $10,000 for property damage; personal injury protection of $40,000 per person per accident; and uninsured and underinsured motorist coverage of $25,000 per person and $50,000 per accident each.
What does Minnesota PIP cover?: $40,000 per person per accident, split evenly — $20,000 for hospital and medical expenses and $20,000 for non-medical expenses such as lost wages and replacement services. The non-medical half is what pays for help around the house while you cannot drive.
Is Minnesota a no-fault state?: Yes. Your own PIP pays first regardless of who caused the crash, and your ability to sue the at-fault driver for general damages is limited unless your injuries meet a statutory threshold.
How do uninsured and underinsured coverage work with PIP in Minnesota?: They pay after your PIP benefits are exhausted, for medical claims of those covered by your policy, within their stated limits. They are in addition to PIP rather than instead of it, which makes total available protection higher than any single figure suggests.
Is $10,000 of property damage coverage enough in Minnesota?: It is the legal minimum, but against current vehicle values an ordinary at-fault collision can exceed it, leaving you personally responsible for the difference. It sits oddly against Minnesota’s otherwise generous requirements and is usually cheap to raise.

Sources

Requirements on this page were verified against Minnesota’s own regulator and motor vehicle agency on the date shown at the top. Rules change — if you are making a decision that turns on an exact figure, confirm it at the source.

Consumer help in Minnesota: Minnesota Department of Commerce, (651) 539-1600.