Minnesota- Auto Insurance

The auto insurance regulations set forth by the state of Minnesota are intended to protect drivers’ safety and restrict their ability to sue after an accident. Minnesota drivers must carry medical payments coverage as well as uninsured driver and liability coverage.

Guidelines

Drivers must carry the following amounts of liability coverage:

 

  • $30,000 for the injuries of one person
  • $60,000 for the injuries of two or more persons
  • $10,000 for property damage

Drivers must carry the following amounts of personal injury protection (PIP), or medical payments coverage: $40,000 per person per accident ($20,000 for medical costs and $20,000 for non-medical costs like lost wages).

Drivers must carry the following amounts of uninsured/underinsured motorist coverage:

  • $25,000 for the injuries of one person
  • $50,000 for the injuries of two or more persons

Drivers must provide proof of insurance upon request. If pulled over by a peace officer, Minnesota drivers must provide proof of auto insurance or they could face a ticket and fines.

Contact:

Minnesota Dept. of Commerce
85 – 7th Place East, Suite 500
St. Paul, MN 55101
Phone: 1-651-296-4026

Web Site: http://www.state.mn.us/portal/mn/jsp/home.do?agency=Commerce

For Consumer Information:
Phone: 651-296-2488
Or phone toll free: 800-657-3602

Minnesota (MN) Mandatory Auto Insurance Minimums:

  • Liability: 30/60/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Other Mandatory Insurance: Personal Injury Protection, Uninsured Motorist, Underinsured Motorist — No-Fault State
  • Regulations Regarding Proof of auto insurance: Proof Required – If Involved In An Accident,
    If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory Insurance: First Offense = Fine of up to $100 or Jail Term of up to Ninety Days

Inside Minnesota- Auto Insurance