Minnesota Auto Insurance Guide

Required auto insurance coverage in Minnesota is far from simple. Every driver must have different levels of protection in a policy.

Minnesota Car Insurance Regulations

No fault auto insurance laws make it illegal to drive without insurance or let others drive the vehicle without insurance. If you don't maintain continuous coverage while operating a vehicle, coverage is considered lapsed.

Mandatory Minimum Coverage in Minnesota

Auto insurance in Minnesota has a number of auto insurance requirements. They are:

• Personal Injury Protection (PIP): $20,000 for medical expenses and $20,000 for non-medical expenses such as lost wages per accident.
• Liability: $30,000 for injuries to one person and $60,000 for two or more, and $10,000 for physical damage to the other driver's car or property damage.
• Uninsured and underinsured: $25,000 for injuries to one person and $50,000 for two or more.

Motorcycle Coverage Requirements

Insurance requirements for motorcycles are $30,000 for one person injured and $60,000 for two or more, and $10,000 for physical damage to the other driver's vehicle or property damage.

Minnesota Auto Insurance Advice

Carry proof of required auto insurance coverage or risk losing driving privileges, fines, and imprisonment. Proof of insurance includes an insurance identification card, a written statement from the insurance company, or a current policy.