Minnesota car insurance requirements
Every driver in Minnesota must carry at least this coverage. It’s a no-fault state: your own personal injury protection pays first for your injuries, whoever caused the crash.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $10,000 per accident |
| Personal injury protection (PIP) | $40,000 per person ($20,000 medical, $20,000 non-medical) |
| Uninsured/underinsured motorist | $25,000 per person / $50,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Minnesota drivers should know
- Minnesota requires at least 30/60/10 liability coverage, plus the other coverages in the table. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- Minnesota is a no-fault state with generous required PIP: $20,000 for medical bills and $20,000 for lost income and other costs.
Home insurance in Minnesota
- Winter is hard on homes here: frozen pipes, ice dams and snow load on roofs are common claims.
- Spring thaw and heavy rain can cause basement flooding and sewer backup — both need separate coverage or an endorsement.
Ways to save in Minnesota
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.