Minnesota Car Insurance Requirements

Minimum Coverage Requirements

Minnesota requires drivers to carry minimum liability insurance of 30/60/10 — meaning $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $10,000 for property damage. Personal Injury Protection (PIP) is also required, covering medical expenses regardless of fault.

Average Car Insurance Costs in Minnesota

Drivers in Minnesota typically pay approximately $1,440 per year ($120/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Minnesota

State Regulations and Key Rules

Minnesota is a no-fault state requiring PIP of $40,000 ($20,000 for medical, $20,000 for non-medical). Uninsured and underinsured motorist coverage is also required. Minnesota has harsh winters that increase collision risk.

What Makes Minnesota Unique

Minnesota's relatively high PIP requirements ($40,000 split) provide strong medical coverage. The state's harsh winters and significant deer population make comprehensive and collision coverage particularly important.

Uninsured Drivers in Minnesota

Approximately 9.9% of drivers in Minnesota are estimated to be uninsured.

Risk Factors Specific to Minnesota

Minnesota winters are severe — black ice, blizzards, and sub-zero temperatures significantly increase accident risk from November through March. Deer collisions are extremely common statewide, particularly during the fall hunting season. Spring flooding periodically affects roads in river valleys.

What Minnesota’s Minimum Actually Covers

Minnesota’s minimum is 30/60/10: $30,000 per injured person, $60,000 total per accident for injuries, and $10,000 for property damage. With new vehicles averaging roughly $50,000, the $10,000 property damage limit would leave about $40,000 unpaid if you totaled an average new car — and that gap becomes your personal debt. On the injury side, a single hospital admission after a serious crash can exceed $30,000 quickly; anything above the limit can be pursued from your assets and future wages.

No-Fault, PIP, and Required Add-Ons in Minnesota

Minnesota is a no-fault state: after most accidents, your own personal injury protection (PIP) pays your medical bills and some lost wages regardless of who caused the crash. Required PIP: $40,000 ($20,000 medical, $20,000 non-medical). You can generally sue the at-fault driver for pain and suffering only when injuries pass the state’s threshold. Minnesota also requires UM/UIM coverage, which pays when the at-fault driver has no insurance or too little.

How Minnesota Compares: Uninsured Drivers and Price

An estimated 9.9% of Minnesota drivers are uninsured — roughly 1 in 10 — a middle-of-the-pack uninsured rate.

Our average premium estimate of $1,440 a year puts Minnesota above the national middle in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Minnesota

Twin Cities drivers pay above-average rates due to traffic density and theft — suburban garaging addresses can reduce premiums. Minnesota's harsh winters make collision coverage essential; raising the deductible can keep costs manageable. Regional insurers often offer competitive rates compared to national carriers in Minnesota.

• Minnesota's minimum liability requirement of 30/60/10 is the legal floor, not a safe target — since Minnesota already requires PIP coverage, review whether that limit alone would cover a serious injury claim.
• With an estimated 9.9% of Minnesota drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Minnesota?

30/60/10: $30,000 of bodily injury liability per person, $60,000 per accident, and $10,000 of property damage liability.

Is Minnesota a no-fault state?

Yes. Your own personal injury protection pays your medical bills after most accidents regardless of fault. Required PIP: $40,000 ($20,000 medical, $20,000 non-medical).

Is uninsured motorist coverage required in Minnesota?

Yes. Minnesota requires UM/UIM coverage.

How many drivers are uninsured in Minnesota?

An estimated 9.9% of Minnesota drivers are uninsured, roughly 1 in 10.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.