Minnesota Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. The Minimum amounts of liability coverage required by the state of Minnesota are $30,000/$60,000 for injury/death and $10,000 for property damage. Commonly referred to as 30/60/10 coverage.

Minnesota is considered a ‘No-Fault’ state, and drivers are required to carry Personal Injury Protection (PIP) in addition to liability coverage. Minimum no-fault coverage is $40,000. That amount is available to each person injured in an accident; $20,000 is allowed for medical expenses and $20,000 may be used for non-medical expenses.

Uninsured / Underinsured motorist bodily injury of 25/50, $25,000 for injury and $50,000 for all injuries, is also required.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer
  • Permanent Insurance Card
  • Policy Declaration Page
  • The actual liability insurance policy issued for the vehicle
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent
  • A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage.
If a driver is cited by an officer for not providing proof of insurance, they must rectify their insurance immediately or face registration/license suspension.
DMV Point System

This state does not enlist a point system for monitoring or penalizing traffic violations. However, your driving record is still maintained and made available to employers, other states and insurance companies. Habitual traffic violations may still increase your insurance rates.

In addition to an increase in insurance rates, many serious violations may result in a license suspension or revocation.


AutoCricket.com is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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