Insurance
Car Insurance in Minnesota
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
Minnesota asks for more coverage than most states. Every policy needs $40,000 in no-fault coverage, plus both uninsured and underinsured motorist coverage. That's more built-in protection for you, and it's part of why the minimum costs what it does.
Here's what each piece does, and when you can still sue after a crash.
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What Minnesota requires
| Required coverage | Minimum | Who it protects |
|---|---|---|
| Personal injury protection (no-fault) | $40,000 per person | You and your passengers |
| Bodily injury liability | $30,000 per person / $60,000 per crash | People you injure |
| Property damage liability | $10,000 | Property you damage |
| Uninsured motorist | $25,000 per person / $50,000 per crash | You, when the at-fault driver has no insurance |
| Underinsured motorist | $25,000 per person / $50,000 per crash | You, when the at-fault driver doesn't have enough |
$10,000 for property damage is low. Hitting a newer pickup or SUV can cost far more, and you'd owe the rest. Ask what higher limits cost.
How Minnesota's $40,000 no-fault coverage splits
Your no-fault coverage pays no matter who caused the crash. The $40,000 is divided in two:
- $20,000 for medical expenses, like doctor and hospital bills
- $20,000 for non-medical expenses, like lost wages and help with household tasks you can't do while you recover
It pays quickly because nobody has to prove who was at fault first.
When you can sue the other driver
Because no-fault pays your bills, Minnesota limits lawsuits for pain and suffering. You can sue for those damages only if:
- your medical expenses are more than $4,000, or
- you have a permanent injury or permanent disfigurement, or
- you're disabled for 60 days or more, or
- the crash causes a death.
Uninsured and underinsured: both required
Many states make underinsured coverage optional. Minnesota requires both. About 11.3% of Minnesota drivers were uninsured in 2023, and many others carry low limits.
- Uninsured motorist pays your injury costs when the at-fault driver has no insurance or drives off.
- Underinsured motorist pays when the at-fault driver's limits run out before your costs do.
The minimum is $25,000/$50,000 for each. If you buy higher liability limits, it often makes sense to raise these too.
Winter and wildlife
Minnesota winters bring ice, snow, and slide-offs. Collision covers your car if you slide into a ditch or another car. Comprehensive covers things like hitting a deer and storm damage. Neither is required by law, but your lender will likely require both on a financed car.
Car insurance in Minneapolis
Minneapolis drivers follow the same state rules. City traffic and theft can mean higher prices than in Greater Minnesota. Compare several quotes with identical coverage.
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Own a home in Minnesota? See Minnesota homeowners insurance. Want more liability protection? See umbrella insurance.
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