Minnesota Auto Insurance — Minimum Coverage & Rates
Minnesota requires 30/60/10 liability coverage and is a no-fault state.
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Minnesota at a Glance
30/60/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Minnesota operates under a traditional tort liability system, meaning at-fault drivers are financially responsible for injuries and damage they cause. The state requires all drivers to carry proof of insurance and file an SR-22 certificate following certain violations. Minnesota also mandates uninsured/underinsured motorist coverage at the same limits as your liability policy unless you reject it in writing, per the Minnesota Department of Commerce.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
Cost Overview
$50–$93/mo
Typical monthly rate in Minnesota, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
The only coverage Minnesota law requires, protecting others when you cause an accident. State minimums of 30/60/10 leave you personally liable for costs above those limits, but higher limits cost $30–$60/month more.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage when an at-fault driver has no insurance or insufficient limits. You must reject this in writing to avoid the charge, which typically adds $8–$18/month at state minimum limits.
Full Coverage
Combines liability, collision, and comprehensive to protect both your legal exposure and your vehicle's repair costs. Only economically rational if your car's value exceeds roughly $4,000 or you carry an active loan.
Collision Coverage
Pays to repair your vehicle after an at-fault crash or single-vehicle accident, minus your deductible. Costs $40–$70/month for older vehicles and is required by lenders until your loan is paid off.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, hail, and animal strikes. Typically costs $25–$50/month and is the first coverage type to drop when reducing premiums on older vehicles.
SR-22 Insurance
Not a coverage type but a state-mandated certificate proving you carry insurance following a DUI, multiple violations, or driving without insurance. The filing costs $25–$50, but the underlying rate increase can add $60–$120/month for three years.