Auto Insurance Minimum Requirements
Important Notes
Minnesota PIP must contain a mandatory split of $20,000 for medical expenses and $20,000 for non-medical expenses (such as work loss).
Uninsured / Underinsured Motorist
Mandatory minimums require 25/50 limits for both UM and UIM coverages.
SR-22 Filings
Required for a 3-year timeline after operating without valid insurance or major safety suspensions.
Alternatives to Insurance
Self-insurance authorization requires continuous state-level administrative review.
Official Source
Minnesota Department of Public Safety Driver and Vehicle Services
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.