Auto Insurance Requirements in Minnesota for 2025 (Minimum Coverage for MN Drivers)
Explore the auto insurance requirements in Minnesota and stay legally protected on the road. Drivers must carry at least $30,000 for injuries to one person, $60,000 per accident for all injuries, and $10,000 for property damage. With rates at $27 a month, MN drivers can get affordable, state-required coverage.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Apr 3, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 3, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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Discover auto insurance requirements in Minnesota, including minimum 30/60/10 liability coverage, which means $30,000 for bodily injury per person, $60,000 per accident, and $10,000 for property damage.
While these are the legal minimums, many drivers choose higher limits or add extra coverage for better protection. With rates starting at $27 per month, affordable options are available from top insurers like State Farm and Geico. They have flexible plans that can match your budget and coverage needs (Read more: State Farm Insurance).
Minnesota Auto Insurance Minimum Coverage Requirements| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $30,000 per person / $60,000 per accident |
| Property Damage Liability | $10,000 per accident |
Check quotes to find the best mix of price and protection, so you can drive with confidence knowing you’re fully insured in Minnesota. Find cheap car insurance quotes by entering your ZIP code.
- Auto insurance requirements in Minnesota mandate 30/60/10 liability coverage
- State Farm offers affordable rates at just $27 per month for MN drivers
- Driving uninsured in MN can result in fines, license suspension, and other penalties
Minnesota Auto Insurance Requirements & What They Cover
To drive legally in Minnesota, you must have at least $30,000 in coverage for injuries to one person, $60,000 for all injuries in an accident, and $10,000 for damage to someone else’s property. This is called 30/60/10 liability coverage.
Bodily Injury Liability (BIL) helps pay for medical bills if you injure someone in a car accident. Property Damage Liability (PDL) pays for damage to someone else’s car or property. This coverage helps protect you from paying these costs yourself if you’re at fault.
You also need Personal Injury Protection (PIP), which helps pay for your own medical bills, lost income, and other costs after a crash—no matter who caused it. Having this coverage keeps you in line with state laws and helps protect your finances.
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— State Farm (@StateFarm) October 8, 2024
If you don’t have insurance, you could face tickets, license suspension, or even jail time. While these are the required minimums, many drivers choose more coverage to stay better protected. Without enough insurance, you might have to pay out of pocket for expensive repairs or medical bills after an accident.
Read more: Liability Limits: 250,000/500,000 vs 500,000/500,000 (Coverage Explained)
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Cheapest Auto Insurance in Minnesota
State Farm offers the cheapest car insurance in Minnesota, with rates starting at $27 a month. Geico is another affordable option, with rates averaging $37 a month. American Family charges $38 a month. Get full details in our guide “Can I change my Geico car insurance coverage at any time?”
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Min. Coverage in Minnesota
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2,235 reviewsThese companies make it easier for drivers to stay protected while keeping costs low. The table below shows the monthly minimum coverage in Minnesota by city.
Minnesota Min. Coverage Auto Insurance Monthly Rates by City| City | Rates |
|---|---|
| Minneapolis | $95 |
| Saint Paul | $90 |
| Rochester | $75 |
| Duluth | $70 |
| Bloomington | $85 |
| Brooklyn Park | $91 |
| Plymouth | $80 |
| Maple Grove | $76 |
| Woodbury | $81 |
| Saint Cloud | $72 |
Insurance prices also vary depending on where you live. Some of the most affordable cities for minimum coverage include Duluth, Saint Cloud, Rochester, and Maple Grove.
These cities usually have lower rates than larger areas like Minneapolis ($95) and Brooklyn Park ($91). If you live in one of these lower-cost areas, you may find even better deals on Minnesota minimum auto insurance coverage.
Other Coverage Options to Consider in Minnesota
In Minnesota, drivers must have liability insurance and Personal Injury Protection (PIP). But you can also choose extra coverage for better protection. These extra options can help pay for car repairs, doctor visits, or other costs your basic insurance doesn’t cover. Here are some common types of extra coverage:
- Personal Injury Protection (PIP): Personal injury protection helps pay for your medical bills and lost income after a crash, no matter who caused it. Minnesota drivers must have at least $40,000 in PIP coverage.
- Liability Insurance: Liability auto insurance covers injuries to others and damage to their property if you cause an accident. The required minimum is $30,000 per person, $60,000 per accident, and $10,000 for property damage.
- Uninsured/Underinsured Motorist Coverage: Helps cover your costs if you’re hit by a driver who has no insurance or not enough insurance (Read more: Best Uninsured and Underinsured Motorist Coverage).
- Collision Coverage: Pays to fix or replace your car if you crash into another car or object, no matter who’s at fault.
- Comprehensive Coverage: Covers damage from theft, vandalism, weather, falling objects, or fire.
- Rental Reimbursement: Pays for a rental car while yours is being fixed after an accident (Read more: Best Auto Insurance With Rental Reimbursement Coverage).
- Roadside Assistance: Helps with towing, flat tires, battery jumps, and other emergency services.
While these extra options aren’t required by law, they can give you more peace of mind and help you avoid big bills after an accident or emergency. Choosing the right mix of coverage can keep you better protected on Minnesota roads.
Penalties for Driving Without Auto Insurance in Minnesota
If you drive without car insurance in Minnesota, you can get into big trouble. You might have to pay a fine of up to $1,000, and the state can take away your driver’s license and your car’s registration.
Penalties for Driving Without Auto Insurance in Minnesota| Offense | Fine | Other Consequences |
|---|---|---|
| First | Up to $1,000 | License suspension (up to 30 days), SR-22 required |
| Second | Up to $3,000 | License/registration suspension, possible impoundment |
| Subsequent | Up to $3,000 | Longer suspension, possible misdemeanor |
Sometimes, you’ll also need to fill out extra forms, like an SR-22, to show you have insurance. If you do it again, you could even go to jail for up to 90 days.
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Not having insurance can also cost you a lot if you get in an accident. Without it, you’ll have to pay for all the damage and medical bills yourself. Keeping your insurance up to date helps you stay legal and saves you money if something bad happens.
Read more: What are the penalties and punishments for vehicle theft?
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Factors Influencing Auto Insurance Rates in Minnesota
Many things can affect how much you pay for auto insurance in Minnesota. Your age and driving experience are important—young or new drivers usually pay more because they’re more likely to get into accidents. The more years you’ve been driving safely, the better your chances of getting lower rates.
Your driving history also matters a lot. If you’ve had tickets or accidents, your insurance will likely cost more. But if you have a clean record, you can get cheaper rates. The kind of car you drive can also change your price. Cars that are expensive to fix, easy to steal, or often in crashes usually cost more to insure.
To save money, it helps to know what affects your rates according to car insurance requirements in Minnesota. Compare quotes from different companies, pick coverage that fits your needs, and make sure you’re getting the best deal.
The right insurance can protect you and help you stay within your budget. See how much you’ll pay for car insurance by entering your ZIP code into our free comparison tool.
Frequently Asked Questions
What are the legal requirements for auto insurance in Minnesota?
Minnesota drivers must carry at least 30/60/10 liability coverage: $30,000 for bodily injury per person, $60,000 per accident, and $10,000 for property damage.
Read more: Cheap Car Insurance in Minnesota
Is it against the law to not have car insurance in Minnesota?
Yes, it is illegal to drive without car insurance in Minnesota. All registered vehicles must have at least the state’s minimum required coverage.
When did car insurance become mandatory in MN?
Minnesota made car insurance mandatory in 1974 under the Minnesota No-Fault Automobile Insurance Act. Enter your ZIP code into our free comparison tool to see how much car insurance costs in your area.
Can you register a car without insurance in Minnesota?
No, you cannot register a vehicle in Minnesota without providing proof of insurance that meets the state’s minimum requirements. Gather more insights about the consequences of driving without a license.
Does insurance follow the car or the driver in Minnesota?
In most cases, insurance follows the car in Minnesota. This means your coverage typically applies when someone else is driving your vehicle with permission.
What is the average cost of car insurance in Minnesota?
On average, minimum coverage in Minnesota costs around $27 to $90 per month, depending on your location, driving history, and insurance provider.
What is the penalty for no insurance in Minnesota?
Driving without insurance can lead to fines, license and registration suspension, and even jail time. You may also be required to file SR-22 insurance to reinstate your driving privileges.
Read more: What happens if you get caught driving without insurance?
Can I not insure my car if I don’t drive it?
If your car is parked and not being driven, you can cancel your insurance, but you must also surrender your license plates and registration. Otherwise, insurance is still required for registered vehicles.
What states do not require auto insurance?
All states except New Hampshire and Virginia require auto insurance. However, even in those states, drivers must prove financial responsibility if they choose not to carry insurance.
What happens if you have no insurance but the other driver was at fault in Minnesota?
If the other driver is at fault, you may still receive compensation, but you could face penalties for driving without insurance, such as fines or license suspension—even if you didn’t cause the accident.
Read more: What is the difference between a suspended and revoked license?
What is the No-Fault Automobile Insurance Act in Minnesota?
This law requires all Minnesota drivers to carry Personal Injury Protection (PIP) insurance, which covers medical expenses and lost wages regardless of who caused the accident.
Can you file a claim against someone else’s insurance?
Yes, if another driver causes an accident, you can file a third-party liability claim against their insurance to cover your damages and injuries.
What is the statute for driving without insurance in Minnesota?
Minnesota Statutes Section 169.797 outlines the penalties for driving without insurance. Violations can result in fines up to $1,000, license revocation, and other legal consequences. Here’s everything you should know about auto insurance.
What is the no-fault Act in Minnesota?
Minnesota’s No-Fault Act ensures that your own insurance covers your injury-related expenses (PIP coverage), regardless of who caused the accident, reducing the need to sue other drivers for minor injuries.
Can my wife drive my car if she’s not on my insurance?
Yes, most policies cover occasional drivers like a spouse who is not listed. However, if your spouse drives your car often, the insurer may require you to add them to the policy.
What happens if someone else is driving my car and gets in an accident in MN?
In Minnesota, your insurance is typically the primary coverage. If a friend or family member crashes your car, your policy will likely cover the damages as long as they have permission to drive it.
Read more: Does car insurance cover accidents when you lend your car?
What happens if I don’t add my teenager to my car insurance?
If your teenager drives and isn’t listed on your policy, your insurer may deny claims or charge backdated premiums. Most companies require you to add all licensed household drivers.
Read more: Teenage Drunk Driving Laws and Consequences
What happens if you don’t have car insurance in Minnesota?
Driving without insurance in Minnesota can result in fines, license and registration suspension, court fees, and even jail time. You’ll also be responsible for all accident-related costs.
Find the best comprehensive car insurance quotes by entering your ZIP code into our free comparison tool today.
How long do I have to pay insurance on a new car in Minnesota?
Most insurance companies allow a grace period of 7 to 30 days, but you must notify your insurer as soon as possible. If you don’t already have insurance, you must buy a policy before driving the car.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.