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Auto Insurance in Minnesota

The State of Minnesota currently requires that all drivers be covered under liability auto insurance and that proof of car insurance always be carried within the vehicle at any moment.

Minnesota car owners and drivers must maintain no-fault insurance, in adherence with Minnesota's No Fault Act, and must carry proof of this insurance at all times. If a law enforcement officer requests proof of valid insurance, you may present one of the following acceptable forms: a current insurance policy, a written statement, or an insurance identification card issued by your company. State also prohibits vehicle owners to drive, or allow other drivers, to operate uninsured vehicles. Violating this law can result in fines, the loss of driving privileges and even imprisonment. By registering a vehicle in Minnesota, you are attesting that the vehicle is properly insured according to auto insurance regulations.

Minnesota Minimum Liability Coverage

Liability coverage is required by law in the State of Minnesota. The minimum liability amounts for the State of Minnesota are as follows:

  • $30,000 bodily injury per person.
  • $60,000 total bodily injury per accident.
  • $10,000 total property damage per accident.

Remember that these are only the minimum requirements set by the state. Experts always advise that drivers get more than the state-mandated minimums, particularly if you have assets you need to protect, since these limits have not kept pace with the skyrocketing costs of car repairs and medical care. Also, getting liability coverage alone will not cover you in case of damage to your own car, so most drivers will want to add collision and comprehensive coverage to their policies.

Uninsured/Underinsured Motorist Coverage

Some, not all, states will require that drivers carry UM/UIM, also known as uninsured/underinsured motorist coverage. This coverage will protect the driver in the event that an accident occurs and the other party does not have auto insurance.

The State of Minnesota currently requires UM and UIM coverage, with a minimum coverage limit of $25,000 per person and $50,000 per accident for both types of coverage.

No-Fault Insurance

Minnesota is a no-fault state, so no-fault insurance is required (see PIP below).

Personal Injury Protection (PIP)

PIP is an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damage.

As a no-fault state, the State of Minnesota current requires drivers to carry PIP insurance with the following minimum coverage limit: $40,000 per person per accident ($20,000 for hospital/medical expenses and $20,000 for non-medical expenses such as lost wages, replacement services, etc.).

Minnesota SR-22 Requirements

SR-22 is a document that is required to be filed with a state's DMV as proof that the minimum liability coverage for the state is being carried. Not everyone needs an SR-22 filing. SR-22s are typically required for a driver to reinstate their driving privileges after an offense such as a DUI conviction, uninsured auto accident, or driving without proof of insurance.

Minnesota currently does not require an SR-22 filing to reinstate a driver's license.

Minnesota DWI Laws

For the first DWI offense in the State of Minnesota, you will face the following maximum penalties:

  • Up to 90 days imprisonment
  • $1,000 fine
  • $250 license reinstatement fee
  • $430 license reinstatement surcharge
  • $24 driver license application fee
  • 90 day license suspension
  • 180 day license suspension if BAC is above 0.20% and/or minor under 16 present in vehicle
  • 1 year license suspension for DWI test refusal
  • Restricted license possible after 15 days if non-aggravating DWI
  • Possible Ignition interlock

Additional Information on Minnesota Insurance

For additional information, you can contact the Minnesota Insurance Commissioner's Office at (651) 296-6025 or go to their website at www.insurance.mn.gov/.

Read more about the Most Popular Auto Insurance Carriers in MN.