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MN Auto Insurance Requirements

Minnesota requires all licensed vehicles to have PIP, Liability, Uninsured, and Underinsured coverage in the following amounts:


Type of Insurance Coverage

Minimum Amount Required in Minnesota

Personal Injury Protection (PIP)

• $40,000 per person per accident
• ($20,000 for hospital/medical expenses and $20,000 for non-medical expenses such as lost wages, replacement services, etc.)

Liability

• $30,000 for injuries to one person
• $60,000 for injuries to two or more people
• $10,000 for physical damage to the other driver’s vehicle or for damage to property

Uninsured

• $25,000 for injuries to one person
• $50,000 for injuries to two or more people

Underinsured

• $25,000 for injuries to one person
• $50,000 for injuries to two or more people

If you have a loan on your vehicle, the lienholder, as the legal owner of the car, will require you to carry comprehensive and collision coverage. If you do not purchase this coverage, the lien holder may buy it and charge you for the premium. This is termed "forced insurance", it is extremely expensive, it is legal, and it does not include the required coverages listed above

Serving major large cities such as: Minneapolis, Saint Paul, Young America , Brooklyn Center, Duluth, Golden Valley, Hopkins, Lino Lakes, Loretto, Mankato, Maple Plain, Maplewood, Minnetrista, Moorhead, Norwood, Rochester, Roseville, Saint Augusta, Saint Cloud, Saint Louis Park, South Saint Paul, and Orlando in counties such as: Ramsey County, Saint Louis County , Cass, Chisago, Dakota, Fillmore, Kandiyohi, Marshall, Morrison, Pine, Stearns, Wright and Hennepin County.

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