Minnesota Car Insurance Regulations & Required Coverage

Minnesota car insurance regulations require all drivers to maintain an up-to-date insurance policy. Penalties for driving without insurance in Minnesota can result in fines, loss of driving privileges, and even time in jail. Minnesota auto insurance laws are no-fault, stating that regardless of who is found at-fault in an accident, each driver’s respective insurance company will pay for damages resulting from an accident. Learn more in our free guide below.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Written by

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 14, 2020

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Minnesota insurance law requires all drivers to maintain an insurance policy to driver on their roads. The insurance laws within the state vary from other no-fault states and should be reviewed to ensure you have appropriate coverage. Penalties for not maintaining insurance can result in fines, loss of driving privileges and even time in jail.

Minnesota is a no-fault insurance state. Their insurance laws state that regardless of who is found at fault in an accident, each driver’s respective insurance company will pay for damages resulting from an accident. The specifics of a no-fault system can vary from state to state but in general, the claim process is quicker, the legal rights of drivers are lower and the insurance premiums are higher. State law also says that if your expenses are greater than what your personal injury protection coverage limits, you can then go after the at-fault party to recover the excess
damages.

Required Coverage

All personal vehicles in Minnesota require the following liability coverage requirements:

  • Bodily Injury
  • Property Damage

Additionally, Minnesota requires:

  • Uninusred / Underinsured Motorist Bodily Injury
  • Personal Injury Protection (PIP)
Minimum Minnesota Car Insurance Requirements
Bodily Injury Liability $30,000 / $60,000 Limit
Property Damage Liability $10,000 Limit
Uninsured/Underinsured Bodily Injury $25,000 / $50,000 Limit
Personal Injury Protection $40,000 Limit

Additional insurance coverage can include:

  • Comprehensive and Collision Coverage

Collision and comprehensive insurance can help fill coverage gaps. Collision will pay for expenses related to repairing or replacing your vehicle after an accident. Comprehensive will cover non-accident related damage such as damage from a fire or having your car stolen. A list of the most stolen vehicles in Minnesota shows which
cars could benefit most from this.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

  • Get a standard liability car insurance policy
  • Get a policy through the Minnesota Automobile Insurance Plan

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

  • Insurance ID Card
  • Proof of insurance through the Minnesota Automobile Insurance Plan

You must maintain proof of insurance and financial responsibility and present it:

  • When asked by a police officer
  • After an accident
  • When registering or renewing your vehicle’s registration
  • Anytime you are operating a vehicle

Failure to Maintain Financial Responsibility Penalties

If you are unable to show proof of insurance, you can face the following penalties:

  • Charged with a misdemeanor or gross misdemeanor if it is a subsequent offense within 10 years of a prior offense
  • Fines between $250 – $1,000 and/or up to 90 days in jail
  • Suspension or possible revocation of your license

Minnesota Insurance Agents

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