Minnesota Car Insurance Requirements (Updated for 2025)

Driving in Minnesota requires proof of financial responsibility—specifically liability, Personal Injury Protection (PIP), and uninsured/underinsured motorist (UM/UIM) coverage—since it’s a no‑fault state. Failing to maintain coverage or proof can result in fines, suspension, impoundment, and misdemeanor charges.

📋 Minimum Required Coverage

As of 2025, Minnesota law mandates the following minimums:

• Bodily Injury Liability: $30,000 per person / $60,000 per accident
• Property Damage Liability: $10,000 per accident
• Personal Injury Protection (PIP): $40,000 per person per accident — including $20,000 for medical and $20,000 for non‑medical expenses like lost wages and funeral costs :contentReference[oaicite:1]{index=1}
• Uninsured/Underinsured Motorist Bodily Injury (UMBI/UIMBI): $25,000 per person / $50,000 per accident :contentReference[oaicite:2]{index=2}

No‑Fault & PIP System

Minnesota operates under a no‑fault system: PIP benefits cover medical expenses, lost income, rehabilitation, childcare, and funeral costs, regardless of fault :contentReference[oaicite:3]{index=3}.

Proof of Insurance

Drivers must carry proof of current insurance at all times. Failure to provide proof immediately may lead to administrative citations, although those can be dismissed if proof is shown promptly :contentReference[oaicite:4]{index=4}.

Penalties for Driving Without Insurance

• First or second offense: Misdemeanor, fine $200–$1,000, license/registration suspended up to 1 year, cost up to 90 days jail, vehicle impounded, $30 reinstatement fee with SR‑22 equivalent “insurance certification” :contentReference[oaicite:5]{index=5}
• Third offense (within 10 years): Gross misdemeanor, fine $200–$3,000, same suspensions, up to 90 days jail :contentReference[oaicite:6]{index=6}

Insurance Certification (SR‑22 Equivalent)

Minnesota doesn’t use SR‑22 but requires an “insurance certification” after serious violations. It must remain active for one year to reinstate or maintain driving privileges :contentReference[oaicite:7]{index=7}.

Optional Coverages to Consider

• Collision & Comprehensive (for your own vehicle)
• UMPD (Uninsured Motorist Property Damage)
• Medical Payments (MedPay) over PIP
• Rental Reimbursement & Roadside Assistance
• Umbrella Liability Policies

Liability System

Even though Minnesota is no‑fault for injuries, it remains an at‑fault (tort) state for liability—you’re responsible for damage you cause beyond your own PIP/UM/UIM limits.

📈 Cost & Rate Trends

Average full‑coverage premiums: $70–85/month; Minneapolis averages ~$85, Mankato ~$70 :contentReference[oaicite:8]{index=8}.

“Minnesota was going to see the highest car insurance rate increases … up to 61% starting Feb 1 … I saw a 57% increase, bringing me up to $300 a month” :contentReference[oaicite:9]{index=9}

Compare Car Insurance Quotes in Minnesota

Rates vary based on location, driving history, coverage levels, and insurer. Use a comparison tool to find the best balance of price and protection.

🔍 Start Comparing Minnesota Car Insurance Quotes →

FAQs

Is Minnesota a no‑fault state?

Yes—PIP applies regardless of fault, but you can also sue or claim liability if damages exceed your PIP :contentReference[oaicite:10]{index=10}.

Does Minnesota require SR‑22?

No—but you’ll need an insurance certification after violations, kept for one year :contentReference[oaicite:11]{index=11}.

Can I be ticketed if I can later prove coverage?

Yes—you might get an administrative citation, but it’s generally dismissed if you promptly provide proof :contentReference[oaicite:12]{index=12}.

What if I drive uninsured again?

Penalties escalate to gross misdemeanor, higher fines, impoundment, longer suspensions, and potential jail time :contentReference[oaicite:13]{index=13}.