Minnesota Auto Insurance Laws, Regulations & Required Coverage

Minnesota auto insurance laws and regulations require all drivers to maintain an up-to-date insurance policy. Minnesota auto insurance laws are no-fault, stating that regardless of who is found at-fault in an accident. Learn more in our free guide below.

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UPDATED: Apr 26, 2022

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Written By: Chris TepedinoReviewed By: Laura WalkerUPDATED: Apr 26, 2022Fact Checked

Minnesota auto insurance law requires all drivers to maintain an insurance policy to driver on their roads. Minnesota’s auto insurance laws 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. Minnesota’s auto 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. Minnesota auto insurance laws 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

Minnesota insurance laws require all personal vehicles to follow 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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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

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 Laura Walker

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