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Minnesota Car Insurance

Here's what you need to know...
  • Minnesota is a no-fault car insurance state.
  • Minnesota requires more coverage than most other states
  • Personal injury protection is required for Minnesota motorists
What are the Minnesota car insurance requirements for proper coverage?

When considering which car they will purchase for their transportation needs, few people ever stop to think about their need for  car insurance, and how the make, model, age and even color of the car will affect the price they end up paying for coverage.

If you live in Minnesota, it’s important to be aware of the state requirements for proper coverage, and spend some time getting comparison quotes that will allow you to get the best auto insurance coverage for an affordable cost.

Check out this Minnesota auto insurance guide and then enter your zip code into the free tool on this page for your free Minnesota car insurance comparison!

Does It Matter Who’s Responsible?

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The car insurance requirements vary widely from state to state, and if you think that your current policy or provider will be adequate once you move to Minnesota, you might be in for a surprise.

Minnesota is one of a handful of states in the U.S. that maintains a no-fault policy, which means that no matter who causes the accident, each driver’s insurance company is responsible for paying for the damages to the insured and their property.

As a result of this policy, drivers in Minnesota are required to purchase PIP, or personal injury protection, insurance.

What’s Covered Under PIP?

If you’ve never lived or owned a car in a no-fault state before, you might be unfamiliar with exactly what this additional type of policy will cover. In Minnesota, PIP provides benefits relating to:

  • Healthcare expenses
  • Recompense of lost wages due to injury
  • Funeral expenses
  • Damages to passengers (optional)

Minimum Minnesota Auto Insurance Requirements

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As with any rule, there are exceptions to the no-fault policy, especially in situations of negligence or in the event that especially high medical expenses are incurred by the victim.

For this reason, the state of Minnesota also requires that drivers carry a liability policy that will protect them against the cost of damages to the other driver. The minimum requirements for liability coverage in Minnesota are:

  1. $30,000 for medical expenses incurred by a single driver
  2. $60,000 for the total medical expenses of all passengers
  3. $10,000 for property damaged by the accident, including those needed by the victim’s vehicle
  4. $15,000 each for one uninsured and underinsured motorist
  5. $30,000 each for the total uninsured and underinsured motorists
  6. $40,000 for PIP

Finding the best Minnesota auto insurance quotes is easy—just enter your zip to start!

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