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Minnesota Car Insurance Information

Requirement : Yes

Car insurance is required in Minnesota . Drivers must have a minimum of personal injury protection, liability, and uninsured motorist coverage.

Minimum Coverage Car Insurance Requirements:

A minimum personal injury protection, liability, and uninsured motorist coverage is required:

    • $30,000 for bodily injury to one person.
    • $60,000 for bodily injury per accident.
    • $10,000 for property damage liability per accident.
  • Uninsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party.
    • $25,000 for medical coverage.
    • $50,000 for loss of income.
  • Personal Injury Protection (PIP) – No-fault insurance helps with certain costs resulting from a car accident, no matter who’s at fault.
    • $20,000 for medical coverage per accident.
    • $20,000 for loss of income per accident.

Other Car Insurance Coverage Options:

Personal Injury Protection, liability, and uninsured motorist coverage are the only requirement for Minnesota motorist to have, there are several other types of coverage available to drivers:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Rental Reimbursement – Reimburses you if you have to rent a car after an accident.
  • Roadside assistance/towing coverage – Typically adds coverage for towing, tire changes, lockout services, and more.

  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage. Should you not purchase comprehensive or collision coverage, it may be purchased on your behalf, and charged back to you at a premium.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include: There are no alternative forms of financial responsibility. Minnesota requires all drivers to have minimum coverage.

Proof of Insurance: Yes

You must carry proof of insurance and registration with your vehicle at all times, you must also have proof of insurance in order to renew your registration. The insurance company (provider) will give you an insurance card as proof of insurance.

  • Valid forms of proof of insurance:
    • Insurance card.
    • Copy of insurance card.
    • Letter from insurance carrier.

The card will include:

  • Vehicle’s information:
    • Make
    • Model
    • Year
    • Safety Rating
    • Value
  • Your policy name & name of any other drivers insured under the policy.
  • The policy term’s expiration date.
  • A new policy card will be provided every time you renew your car insurance policy.

Insurance Violations:

Violations, Fines & Penalties:

  • Should you be found operating a vehicle without the mandatory minimum insurance coverage, you face:
    • $200 - $1,000 fine for first offense.
    • Up to 90 days in jail for first offense.
    • $200 - $3,000 fine for subsequent offenses within 10 years.
    • Up to 1 year in jail for subsequent offenses within 10 years.

Credit Scores & Determining Your Insurance Premium :

All Minnesota drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. High-risk drivers who are unable to find coverage may be eligible to apply for car insurance through the Minnesota Automobile Insurance Plan.


Other factors that may be used to determine your premiums include:

  • Age
  • Gender
  • Credit history
  • Driving history
  • Make, model of car

Discounts : Yes

Discounts available in Minnesota:

  • Good student discount
  • Multi-car discount
  • Anti-theft device discount
  • Homeowner’s discount
  • Safe driver discount
  • Accident prevention course discount

Cellphone Use:

All drivers under the age of 18 with learners’ permits or intermediate licenses are banned from all mobile phone use while driving. All drivers are banned from texting while driving. Cell phone and texting violations are considered primary offenses. Violators face a $300 fine.

Minnesota Minimum Coverage Laws

Carriers in Minnesota

Full Insurance Laws for Minnesota