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Minimum Required Liability Insurance Laws in Minnesota

FAQ’s & Requirements About Minnesota Insurance Law

What does it mean that Minnesota follows a no-fault liability system?

No-Fault coverage is often misunderstood as it can get quite confusing. One of the most common misconceptions by policyholders is that it means that their insurance will cover all expenses related to an auto accident regardless of who is at fault. This is incorrect. No-fault coverage applies ONLY to expenses resulting from injuries sustained in an accident. This includes your medical costs and loss of wages. It also includes $2,000 for
funeral expenses.

Minnesota made the choice to follow the no-fault system because it puts less burden on the courts and usually results in faster treatment for accident victims.

Find out the minimum amounts of coverage in Minnesota for the following:

• Personal Injury Protection
• Liability
• Uninsured
• Underinsured

Personal Injury Protection

$40,000 per person per accident

• $20,000 for hospital/medical expenses
• $20,000 for non-medical expenses such as lost
  wages, replacement services, etc.

You may also visit our Minnesota Auto Insurance Page to learn the up-to-date minimum liability insurance requirements and more information about personal injury protection in Minnesota.

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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

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Uninsured

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

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Underinsured

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

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