Minnesota Minimum Auto Insurance Requirements in 2024 (Learn What MN Requires)
Minnesota minimum auto insurance requirements include 30/60/10 of bodily injury liability and property damage liability coverage. The average rate for auto insurance in Minnesota is $68 per month. Ensure compliance with Minnesota car insurance laws to avoid penalties.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Dec 23, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Minnesota minimum auto insurance requirements include coverage for bodily injury, property damage, and personal injury protection (PIP). Drivers must have at least $30,000 for bodily injury per person, $60,000 per accident, and $10,000 for property damage.
PIP coverage requires at least $20,000 to cover medical expenses and lost income. Additionally, drivers must carry uninsured motorist coverage with a minimum of $25,000 per person and $50,000 per accident. These requirements ensure that drivers are financially protected in the event of an accident and comply with state laws.
Minnesota Minimum Auto Insurance Coverage Requirements & Limits
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $30,000 per person / $60,000 per accident |
| Property Damage Liability | $10,000 per accident |
Failure to meet these minimums can result in severe penalties such as fines, license suspension, and even imprisonment. Understanding the Minnesota minimum auto insurance requirements is essential for avoiding costly consequences and ensuring you are fully covered. Enter your ZIP code above for more rate information, and find the best Minnesota auto insurance today.
- Minnesota requires 30/60/10 liability, $40,000 PIP, and $25K/$50K UM coverage
- Significant penalties for driving without the required auto insurance in MN
- State minimums apply to most drivers, but lenders may have additional requirements
Minnesota Minimum Coverage Requirements & What They Cover
What is the state minimum auto insurance requirement for MN? You may be wondering how much auto insurance Minnesota requires its drivers to have. Minnesota auto insurance laws from the MN Driver and Vehicle Services require a minimum amount of insurance that you need to drive legally, as you can see here for the state:
- Personal injury protection that includes $20,000 for medical coverage and $20,000 for loss of income
- $10,000 for property damage liability per accident
- $30,000 per person and $60,000 per accident for bodily injury liability
- $25,000 per person and $50,000 per accident for uninsured motorist coverage
Minnesota car insurance minimums pertain to most drivers who drive a car for personal use, but there are special situations when unique coverage requirements prevail.
- Bodily Injury Liability: One of the required auto insurance types Minnesota drivers need is bodily injury liability. This type of auto insurance covers the medical and health expenses for other parties if you cause injuries to other people in an accident.
- Property Damage Liability: You are also responsible for a replacement or repair work on a vehicle belonging to someone else that is damaged in an accident you cause. Property damage liability pays for other parties’ damaged property, and this coverage type is required by MN auto insurance laws.
For example, if your car is used for commercial or business purposes in this state, you may need to comply with other auto insurance requirements in Minnesota.
Understanding Minnesota’s minimum auto insurance requirements is crucial for staying compliant and protected on the road. Ensure your coverage meets state standards to avoid penalties and safeguard yourself in the event of an accident.
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Other Coverage Options to Consider in MN
Understanding Minnesota’s auto insurance requirements is a necessary first step to ensure you are properly insured per state law. You will find that optional and required coverages are available to choose from.
Ensure that all of the state’s requirements are met before you add optional coverage to your policy.
Remember that optional coverage can increase your premium but could decrease your out-of-pocket expenses if you need to file a claim.
- Personal Injury Protection (PIP) / Medical Payments: While bodily injury liability pays for other parties’ medical expenses, PIP pays for medical expenses caused by the accident for everyone in your vehicle. This is required coverage for Minnesota drivers, and it may be used in conjunction with your health insurance policy.
- Collision Coverage: Some lenders require drivers to have collision or comprehensive insurance. These are coverage types that pay for your own vehicle’s repair costs and other related expenses. With collision coverage, only vehicle damage sustained in a collision is covered.
- Comprehensive Coverage: With comprehensive insurance, the damage that is caused by a collision, a bad weather event, a flood, a fire, theft, and many other factors is covered.
- Underinsured and Uninsured Motorist Coverage: Driving without insurance in Minnesota is illegal. Minnesota requires its drivers to have uninsured or underinsured motorist insurance. This insurance type compensates for your vehicle repairs, medical bills, and more if you are involved in an accident with a hit-and-run or uninsured driver.
When you are shopping for new insurance in Minnesota, you need to pay attention to the coverage types as well as the limits for each coverage type that you purchase.
The coverage type indicates the expenses that will be paid through the policy, and the limit for each coverage type places a maximum dollar amount on the benefits you may receive.
Cheapest Car Insurance in Minnesota
When shopping for affordable car insurance in Minnesota, rates can vary significantly based on factors like your driving history, vehicle type, and coverage options. However, some insurers are known for offering competitive rates across the state.
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19,116 reviewsSo, how much is car insurance in Minnesota? The table below shows the average Minnesota car insurance cost from major insurers. Your rates will likely be cheapest with State Farm, USAA, and Geico. But there are so many factors that go into car insurance rates in Minnesota that the only way to know for sure is to shop around.
Minnesota Minimum Coverage Average Auto Insurance Rates
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $65 |
| AMCO | $45 |
| American Family Mutual | $38 |
| Geico | $37 |
| Illinois Farmers | $42 |
| Liberty Mutual | $48 |
| State Farm | $27 |
| Travelers | $38 |
| U.S. Average | $45 |
| USAA | $28 |
And these are certainly not the only insurers in Minnesota. Other major insurers like Progressive, Nationwide, and Travelers also have a presence in the state. These rates represent some of the cheapest options for minimum coverage in Minnesota. Remember, the best way to find the lowest rate is to shop around and compare quotes from multiple providers.
Read More: 10 Cheapest Auto Insurance Companies
Penalties for Driving Without Insurance in MN
The penalties for breaking MN car insurance laws are significant. If you are caught driving without insurance in MN, you face penalties that include:
- Imprisonment
- A $200 fine
- The suspension of your car registration
- The suspension of your driver’s license
Failing to meet Minnesota's minimum auto insurance requirements can lead to severe penalties, including fines and license suspension. It’s essential to stay compliant to avoid costly consequences.Schimri Yoyo Licensed Agent & Financial Advisor
Remember that you may face additional penalties if you commit insurance fraud. The best idea is always to obtain the proper coverage and comply with MN minimum car insurance requirements.
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Reading MN Auto Insurance Requirements
What coverage do I need for auto insurance in MN? With such significant penalties associated with not having the proper amount of Minnesota car insurance coverage, you understandably may be eager to start shopping for new coverage today.
Keep in mind that some drivers will purchase the minimum car insurance in Minnesota required by their auto lender and by the state to keep their premium amount as low as possible.
However, keep in mind that if you only meet the MN state minimum car insurance requirements, you may still face significant out-of-pocket expenses in the event of an accident. Additionally, if you have an auto loan, your lender may require you to carry more than the state minimum to protect their investment.
Without adequate coverage, you could end up with force-placed coverage, which typically offers limited protection and can be much more expensive than purchasing the right coverage. To avoid these extra costs and ensure you’re properly protected, consider opting for coverage that exceeds the state minimum.
How to Buy Car Insurance in MN
Most Minnesota drivers will benefit from shopping around for new auto insurance rates every six months. It can seem time-consuming to compare at least three to four MN car insurance quotes so frequently, but you can save time and energy with this endeavor by requesting online quotes from a few providers.
When comparing auto insurance rates in Minnesota, it’s important to know the average cost for minimum coverage. Below is a breakdown of monthly rates from major insurance providers in the state, helping you find the best deal for your needs.
Minnesota Min. Coverage Auto Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Bloomington | $193 |
| Brooklyn Park | $190 |
| Burnsville | $180 |
| Duluth | $185 |
| Eagan | $179 |
| Edina | $195 |
| Mankato | $142 |
| Maple Grove | $176 |
| Minneapolis | $214 |
| Moorhead | $146 |
| Plymouth | $182 |
| Rochester | $170 |
| St. Cloud | $168 |
| St. Paul | $210 |
| Woodbury | $187 |
Remember that you need to focus your attention on finding highly reputable and established insurance companies as a first step, and you also need to decide which coverage types and amounts to buy before you request quotes.
While nobody wants to pay more than necessary for Minnesota auto insurance coverage, you also may not want to deal with the consequences of being underinsured. Always check for options for cheap auto insurance in MN.
Read More: Best Uninsured and Underinsured Motorist (UM/UIM) Coverage
Ensuring Your Coverage Meets Minnesota’s Requirements
Understanding and meeting the Minnesota minimum auto insurance requirements is essential to avoid significant penalties and ensure financial protection in the event of an accident. With minimum coverage, including bodily injury, property damage, PIP, and uninsured motorist protection, drivers must comply with these standards to stay legal on the road.
While the state mandates basic coverage, additional options may provide further peace of mind. Always shop around for the best rates to find the right insurance. To make the process easier, check out our article on “How to Get Fast and Free Auto Insurance Quotes” for helpful tips on securing the best deals and coverage.
Enter your ZIP code below to help you find personalized auto insurance rate comparisons. This way, you can easily discover the best coverage options available in your area that meet your needs.
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Frequently Asked Questions
What is the MN new car insurance grace period?
Minnesota’s new car insurance grace period typically is between two to 30 days. After that MN car insurance grace period is over, you should have auto insurance on the vehicle or you shouldn’t be driving it until you do. Most lenders also require that you keep full coverage on your car for the duration of the loan. If you don’t get full coverage, your lender may opt to purchase force-placed coverage on your vehicle.
To avoid this, make sure you secure the right insurance coverage. For more information, check our articles “How to Get Auto Insurance” and “How To Get Auto Insurance for the First Time” for helpful tips.
Does auto insurance follow the car or the driver in Minnesota?
This depends on the type of auto insurance coverage. Typically, insurance coverage like liability, comprehensive, and collision follow the vehicle. But your PIP coverage will generally travel with you. Comparing rates periodically will help you to keep this expense as low as possible while also keeping your coverage updated.
Don’t miss out on our free auto insurance quote tool. Enter your ZIP code below to ensure you have the right MN car insurance requirements coverage. Just enter your zip code and start comparing rates for free now.
What is the minimum car insurance in Minnesota?
Minnesota car insurance requirements include the following coverages:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
What other types of coverage should I consider beyond the minimum Minnesota vehicle insurance requirements?
In addition to Minnesota’s minimum liability insurance, you may want to consider additional types of coverage for more comprehensive protection. Some common optional coverages include uninsured/underinsured motorist coverage, personal injury protection (PIP), collision coverage, and comprehensive coverage.
These coverages can help protect you financially in various scenarios, such as accidents involving uninsured drivers or non-collision-related damages to your vehicle.
Is Minnesota a no-fault state for auto insurance?
MN follows the no-fault law for auto insurance, meaning that regardless of who is at fault in an accident, each driver’s insurance covers their own medical expenses and related costs. A no-fault auto insurance system helps streamline the claims process but may sometimes lead to higher premiums.
How to find cheap car insurance in Minnesota?
To find cheap car insurance in Minnesota, compare quotes from multiple providers, check for discounts, consider higher deductibles, and review your coverage needs. Maintaining a clean driving record and exploring usage-based insurance can also help lower premiums.
What are Minnesota’s SR-22 requirements?
In Minnesota, an SR-22 auto insurance is a certificate of financial responsibility that is required for certain drivers who have had their license revoked or suspended due to serious traffic violations, such as driving under the influence (DUI) or driving without insurance.
How long do you have to get insurance after buying a used car in Minnesota?
So, how many days do you have to insure a used car after purchase in Minnesota? According to Minnesota car insurance laws, you are required to have coverage on a vehicle before you can legally drive it. When you purchase a used car, you typically need to obtain insurance coverage before you can drive the vehicle off the lot or take possession of it.
Can you get temporary car insurance in Minnesota?
Yes, you can get temporary car insurance in Minnesota for a specific period, which could be as short as a day or as long as a few months, depending on the insurance provider and policy terms.
How long can I drive a new car without insurance?
How long can you drive a new car without insurance? In most states, you can’t drive a new car without insurance. Some offer a grace period of up to 30 days but confirm with the dealership and your insurer.
Who offers cheap liability car insurance in MN?
Some insurance companies that offer competitive rates for liability coverage are:
- State Farm
- Progressive
- Geico, and
- USAA
These companies are known for offering competitive rates on liability coverage in Minnesota. Be sure to compare quotes and find the best option for your needs. Find the cheapest liability-only auto insurance.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.