State guide
Car Insurance in Minnesota
Updated August 2026
Minnesota mandates one of the fullest baseline insurance packages in the country. Every policy must include 30/60/10 liability, $40,000 of personal injury protection per person — among the highest PIP requirements anywhere — and both uninsured and underinsured motorist coverage at $25,000/$50,000. Most states require two or three of those pieces; Minnesota's No-Fault Act requires all four.
The upside of a thick mandatory package is that Minnesota drivers aren't choosing between stripped-down and real coverage — the floor is already substantial. The variable is what carriers charge for it. Because every insurer must bundle the same required coverages, quote differences come down to pricing models, and the only way to see them is side by side.
| Coverage | Required minimum |
|---|---|
| Bodily injury liability (per person) | $30,000 |
| Bodily injury liability (per accident) | $60,000 |
| Property damage liability | $10,000 |
| PIP / medical | PIP: $40,000 per person ($20,000 medical + $20,000 income loss/replacement services) |
| Additional requirements | Uninsured AND underinsured motorist coverage: $25,000/$50,000 each (required) |
| No-fault state | Yes |
| SR-22 used | No — this state doesn't use SR-22 filings |
Source: Minn. Stat. §§65B.44, 65B.49 (No-Fault Act); Minnesota Department of Commerce
Average annual expenditure for auto insurance in Minnesota was $962 in 2022, per the NAIC. (NAIC 2022 Auto Insurance Database Average Premium Supplement)
How Minnesota's no-fault system pays
After a crash, your own PIP coverage pays first, regardless of fault: up to $20,000 for medical expenses and up to $20,000 for income loss, replacement services, and related economic losses, per Minn. Stat. §65B.44. Claims against the at-fault driver's liability coverage come into play for damages beyond what no-fault benefits cover.
The mandatory underinsured motorist coverage is the piece many states skip. It steps in when the at-fault driver has insurance, but not enough — a scenario the 30/60 liability minimums make entirely plausible in a serious crash. Minnesota requires both UM and UIM at 25/50 in every policy, so the protection is there without an opt-in.
No SR-22s in Minnesota
Minnesota is one of only eight states that don't use SR-22 filings. After a suspension or an insurance-related violation, drivers reinstate through the state's own process — reinstatement fees and proof of current insurance — rather than by having an insurer file a multi-year SR-22 certificate.
That doesn't erase the record: a DWI or a lapse still follows you in carrier pricing for years, and insurers weigh those histories very differently. Drivers coming off a violation typically see the largest quote spreads, which makes comparison most useful exactly then. One wrinkle for movers: if another state previously required you to carry an SR-22, that state's requirement can still follow you to Minnesota.
What Minnesota drivers actually pay
Despite the heavyweight mandatory package, Minnesota's costs sit below the national average — average annual expenditure was $962 in 2022, per the NAIC, versus $1,127 countrywide. Winter driving, hail, and deer season all show up in comprehensive pricing, and carriers weight metro-Minneapolis ZIP codes differently than greater Minnesota, so quotes for the same coverage can vary widely by both address and insurer.
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Frequently asked questions
What car insurance is required in Minnesota?+
Four required pieces under the No-Fault Act: liability of $30,000/$60,000 bodily injury and $10,000 property damage, $40,000 of personal injury protection, uninsured motorist coverage of $25,000/$50,000, and underinsured motorist coverage of $25,000/$50,000 (Minn. Stat. §§65B.44, 65B.49).
Is Minnesota a no-fault state?+
Yes. Your own PIP coverage pays first for medical costs and lost income after a crash, regardless of who caused it — $20,000 for medical and $20,000 for non-medical losses. Liability claims against the at-fault driver handle damages beyond no-fault benefits.
Does Minnesota require SR-22 insurance?+
No. Minnesota is one of eight states that don't use SR-22 filings. License reinstatement runs through the state's own process of fees and proof of insurance — though an SR-22 obligation from another state can still apply to drivers who move to Minnesota.
Why does Minnesota require underinsured motorist coverage?+
Because an at-fault driver carrying only the 30/60 minimums can't cover a serious injury claim. Mandatory UIM at $25,000/$50,000 fills part of that gap from your own policy — Minnesota is one of the few states that requires it rather than just offering it.
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