Mn auto insurance laws

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Minnesota auto insurance laws are regulations put in place to ensure that drivers in the state have adequate coverage in case of accidents or other incidents on the road. These laws outline the minimum insurance requirements, the penalties for driving without insurance, and other important aspects of auto insurance in Minnesota.

Minimum Insurance Requirements

In Minnesota, drivers are required to have auto insurance that meets the state’s minimum coverage requirements. These requirements include:

Liability Coverage: Minnesota law mandates that drivers have liability coverage of at least $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $10,000 for property damage per accident. This coverage helps pay for injuries or damages caused by the insured driver to others in an accident.

Personal Injury Protection (PIP): Minnesota is a no-fault state, which means that drivers are required to have personal injury protection (PIP) coverage. PIP helps pay for medical expenses, lost wages, and other related costs for the insured driver and their passengers, regardless of who is at fault in an accident. The minimum PIP coverage required in Minnesota is $40,000 per person.

Uninsured/Underinsured Motorist Coverage: Minnesota also requires drivers to have uninsured and underinsured motorist coverage. This coverage protects the insured driver and their passengers if they are involved in an accident with a driver who does not have insurance or has insufficient coverage. The minimum uninsured/underinsured motorist coverage required in Minnesota is $25,000 per person and $50,000 per accident for bodily injury.

Penalties for Driving Without Insurance

Driving without insurance in Minnesota is illegal and can result in various penalties. These penalties may include fines, license suspension, and even imprisonment in some cases. If a driver is caught without insurance, their vehicle registration may also be revoked, requiring them to pay a reinstatement fee to regain their driving privileges.

No-Fault Insurance System

Minnesota follows a no-fault insurance system, which means that regardless of who is at fault in an accident, each party’s insurance company is responsible for covering their own policyholder’s damages. This system aims to provide prompt compensation for medical expenses and other losses without the need for lengthy legal battles.

Additional Auto Insurance Options

While Minnesota’s auto insurance laws outline the minimum requirements, drivers have the option to purchase additional coverage to protect themselves further. Some additional coverage options include:

Collision Coverage: Collision coverage helps pay for damages to the insured driver’s vehicle resulting from a collision with another vehicle or object.

Comprehensive Coverage: Comprehensive coverage provides protection against damages to the insured driver’s vehicle that are not caused by a collision, such as theft, vandalism, or natural disasters.

Rental Reimbursement Coverage: Rental reimbursement coverage helps cover the cost of renting a vehicle while the insured driver’s vehicle is being repaired after an accident.


Minnesota auto insurance laws require drivers to have liability coverage, personal injury protection, and uninsured/underinsured motorist coverage. Driving without insurance can lead to penalties such as fines, license suspension, and vehicle registration revocation. Minnesota’s no-fault insurance system ensures that each party’s insurance company covers their own policyholder’s damages. Additional coverage options, such as collision coverage, comprehensive coverage, and rental reimbursement coverage, are available for drivers who want extra protection.


– Minnesota Department of Commerce:
– Minnesota Statutes Chapter 65B:
– Minnesota Department of Public Safety: