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 in addition to standard liability. All drivers must carry proof of insurance and present it upon request by law enforcement or during vehicle registration. The Minnesota Department of Commerce regulates insurance requirements and enforces compliance through driver's license and registration suspensions.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Cost Overview
about $92/mo
Average car insurance spending in Minnesota
Rate data: NAIC Auto Insurance Database, 2023
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Compare Auto Rates for FreeFrequently Asked Questions
Can I reject PIP coverage in Minnesota?
Yes, Minnesota law allows you to reject PIP coverage in writing, but doing so eliminates your no-fault medical and wage loss protection. Most insurance professionals advise against rejection unless you have comprehensive health insurance and substantial emergency savings. If rejected, you must rely on the at-fault driver's liability coverage or your health insurance after an accident.
Coverage Types
Liability Insurance
Minnesota requires 30/60/10 minimum liability, but medical costs and vehicle values frequently exceed these limits. Many drivers carry 100/300/100 or higher to protect assets in serious accidents.
Full Coverage
Bundles liability, PIP, comprehensive, collision, and uninsured motorist into complete protection. Lenders require this for financed vehicles, and it's the standard choice for vehicles worth over $5,000.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, weather events, fire, and animal strikes. Pays the actual cash value of your vehicle minus your deductible.
Collision Coverage
Pays to repair or replace your vehicle after a crash with another vehicle or object, regardless of fault. Works alongside comprehensive to protect your vehicle investment.
Uninsured Motorist Coverage
Required to match your liability limits in Minnesota. Protects you and your passengers when hit by a driver without insurance or insufficient coverage to pay for your injuries.