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Minnesota Auto Insurance Rates & Requirements

Minnesota requires 30/60/10 liability coverage and is a no-fault state.

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Minnesota at a Glance

30/60/10

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP and Uninsured motorist coverage must be on every policy

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

Minnesota operates as a no-fault state, requiring Personal Injury Protection (PIP) coverage to pay your own medical expenses regardless of who caused the accident. All drivers must carry proof of insurance and may face license suspension after 30 days of continuous non-compliance. The Minnesota Department of Commerce regulates insurance requirements and enforces penalties for uninsured driving.

Bodily Injury Liability

Covers injuries you cause to others in an at-fault accident.

Property Damage Liability

Pays for damage you cause to others' vehicles and property.

Personal Injury Protection (PIP)

Required in Minnesota's no-fault system, PIP covers your medical bills, lost wages, and essential services regardless of fault. PIP reduces lawsuits by covering your own injuries first before seeking compensation from the at-fault driver.

Uninsured/Underinsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage to pay your claim. The underinsured portion applies when the at-fault driver's policy maxes out below your total damages.

Collision Coverage

Pays for damage to your vehicle after a collision with another car or object, minus your deductible. Minnesota's no-fault system covers your medical bills through PIP, but collision coverage is the only way to repair your own vehicle after an at-fault crash. Lenders require this coverage if you finance or lease.

Comprehensive Coverage

Covers non-collision damage from theft, hail, deer strikes, and weather events minus your deductible. Minnesota averages over 2,000 deer-vehicle collisions annually, and severe hailstorms across the Twin Cities metro and southern counties cause millions in vehicle damage each year. This coverage is essential for drivers in rural areas and storm-prone regions.

Cost Overview

about $92/mo

Average car insurance spending in Minnesota

Rate data: NAIC Auto Insurance Database, 2023

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Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Minnesota's 30/60/10 minimum is below national average liability limits and inadequate for serious crashes.

Full Coverage

Combines liability, collision, and comprehensive coverage to protect both you and your vehicle. Typically includes 100/300/100 liability limits or higher with low deductibles.

Comprehensive Coverage

Pays for non-collision damage including theft, vandalism, weather events, falling objects, and animal strikes minus your chosen deductible.

Collision Coverage

Repairs or replaces your vehicle after a crash with another car or object, regardless of fault, minus your deductible.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient limits to cover your injuries and damages.

SR-22 Insurance

A certificate filed with the state proving you carry required insurance, mandated after DWI convictions, license suspensions, or serious violations.

Find Your City in Minnesota

Minneapolis

urban

St. Paul

urban

Rochester

suburban

Duluth

urban

Bloomington

suburban

Brooklyn Park

suburban

Plymouth

suburban

Maple Grove

suburban