Minnesota (MN) Insurance Law


This is a copy of the Law as it was when posted. We believe it to be accurate and complete, but we make no guarantees or warrantees. If you know there to be a mistake in what is posted here, please inform us of such by clicking here.

Minnesota Car & Motorcycle Insurance

  • Liability Required? YES
  • Personal Injury Protection Required? YES
  • No Fault State? YES
  • Uninsured Motorist Coverage Required: YES

Required Minimum Bodily Injury Coverage

  • $30,000 per person injured in any one accident and $60,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

  • $10,000 for injury to or destruction of property of others in any one accident

Basic Economic Loss Benefits.

  • A minimum of $40,000 for injury to any one person, consisting of $20,000 for medical expenses and $20,000 for income loss, replacement services, funeral expense, survivor’s economic loss, and survivor’s replacement services is required. An injured person cannot sue a negligent driver, unless damages exceed the coverage amount or the injury results in a permanent disfigurement, permanent injury, death, or disability that lasts 60 days or longer.

Optional Insurance Coverage

  • Uninsured (UM) and Underinsured Motorist (UIM) Coverage. Each coverage must provide at least $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident.

Special Rules for Motorcycle Owners

  • Motorcycle owners must carry liability insurance. There is no requirement that the policy provide for basic economic loss benefits.

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