Minnesota Car Insurance Minimum Requirements
Minnesota requires at least 30/60/10 liability coverage. That is $30,000 for injuries to one person, $60,000 per accident and $10,000 for property damage.
- Shorthand
- 30/60/10
Those three numbers are only the liability part. A Minnesota policy must also carry $40,000 of no-fault benefits and separate uninsured and underinsured motorist coverage at 25/50 each. Four mandatory coverages, not one.
- Bodily injury — per person
- $30,000
- Bodily injury — per accident
- $60,000
- Property damage
- $10,000
- Uninsured / underinsured motorist
- Both required — 25/50 each
Uninsured and underinsured motorist coverages are separate mandatory coverages in Minnesota, not optional add-ons you can decline. Each must provide at least $25,000 per person and $50,000 per accident. An insurer need not offer UM/UIM limits above the policy's bodily injury liability limit, and limits from two or more vehicles cannot be stacked for one accident.
- Personal injury protection (PIP)
- Required on every vehicle
Minnesota's No-Fault Act requires basic economic loss benefits on every vehicle required to be registered or principally garaged here, and you cannot lower the $20,000 medical ceiling the way a Michigan driver can. Benefits are paid regardless of who caused the crash. One group may decline part of the package: a person 65 or older (or 60 and retired on a pension) may elect not to carry the disability and income loss half (§ 65B.44, subd. 3a). Tell your insurer promptly — a policy may set a notice period of no less than six months, and late notice costs you benefits only to the extent the insurer shows it was actually prejudiced (§ 65B.55, subd. 1).
- PIP minimum limit
- $40,000
$40,000 per injured person, split into two pots that do not borrow from each other: $20,000 for medical expense loss, and $20,000 for income loss, replacement services, funeral expense and survivor's benefits combined. Inside the second pot, income loss is 85% of gross income capped at $500 a week, replacement services at $200 a week, and funeral expenses at $5,000.
Minnesota sets $10,000 — higher than 1 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.
How Minnesota compares with every other state
What these numbers buy you
Those first two numbers are two different walls, and drivers regularly mistake them for one. $30,000 is the most the policy pays for any single person's injuries. $60,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $30,000 is all your insurer owes, however large the bill. Injure three people and they divide $60,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.
The $10,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 1 state on this site sets a lower floor. Whatever the repair or replacement actually costs above $10,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.
None of this is what Minnesota drivers actually spend. The average premium written per insured vehicle here was $360 in 2023, 38th highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.
Carrying the minimum is legal, not safe. It is the line below which Minnesota will not let you drive — and the penalties for falling under it are on the driving uninsured page.
Common questions
Is uninsured motorist coverage required in Minnesota?
Both required — 25/50 each.
Is PIP required in Minnesota?
Required on every vehicle.
Is full coverage required in Minnesota?
No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Minnesota law requires. A lender or leasing company will usually require them until the car is paid off.
Every statute cited for Minnesota
What changed
August 1, 2023
Underinsured motorist claims got a four-year deadline
Laws 2023, chapter 57, article 2, section 58 added Minn. Stat. § 65B.49, subd. 10, which is expressly effective August 1, 2023 and applies to contracts issued or renewed on or after that date. A plan of reparation security must otherwise follow the six-year limitation in § 541.05, subd. 1(1), but a cause of action relating to underinsured motorist coverage must be commenced within four years of accrual. Because UM and UIM coverages are mandatory in Minnesota, this shortened deadline reaches every policyholder, not only those who bought extra coverage.
Laws 2023, ch. 57, art. 2, § 58 — four-year limitation on underinsured motorist claims
Why the rule looks like this
- What Changed in 2026Liability minimums doubled in Hawaii, two states dropped pure comparative fault, New Hampshire stopped inspecting cars, and three crash reporting thresholds moved — a dated account of the 2026 changes, and the ones already signed for 2027 and beyond.
- Fifteen Thousand Dollars, or Two Hundred and Fifty ThousandThe legal minimum for injuring one person in a crash ranges from $15,000 in Pennsylvania to $250,000 in Michigan — and in Florida there is no bodily injury requirement at all.
More on Minnesota
Checked against the primary sources above on September 27, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.