Auto Insurance Minimum Requirements
Minnesota requires all drivers to carry minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $10,000 for property damage — commonly written as 30/60/10. Minnesota is a no-fault state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is required at a minimum of $40,000.
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.
Fine
$200–$1,000
License / Registration
Suspension: Yes
SR-22 Required After
No
What is the minimum car insurance required in Minnesota?
Minnesota requires minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $10,000 for property damage. This is written as 30/60/10 coverage.
Is Minnesota a no-fault state?
Yes, Minnesota is a no-fault state. Drivers file injury claims with their own insurance regardless of who caused the accident. PIP coverage pays for medical expenses up to policy limits.
Is uninsured motorist coverage required in Minnesota?
Yes. Minnesota requires uninsured motorist (UM) coverage. Underinsured motorist (UIM) coverage is also required. Mandatory minimums require 25/50 limits for both UM and UIM coverages.
What happens if I drive without insurance in Minnesota?
Driving without insurance in Minnesota can result in fines of $200–$1,000 and license/registration suspension.
Do I need an SR-22 in Minnesota?
SR-22 filings are used in Minnesota for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for a 3-year timeline after operating without valid insurance or major safety suspensions.
What does 30/60/10 mean in Minnesota?
These numbers represent your liability limits: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $10,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Minnesota Department of Public Safety Driver and Vehicle Services
More Minnesota Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Minnesota Department of Public Safety Driver and Vehicle Services publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.