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General Minnesota Insurance Guidelines

Minnesota currently requires that all drivers be covered under liability insurance. Proof of insurance must always be accessible in the vehicle. Minnesota drivers are required to show their insurance info when requested by an officer.

Minimum Liability Coverage in Minnesota

Minnesota's minimum liability amounts are as follows:

$30,000 bodily injury per person.
$60,000 total bodily injury per accident.
$10,000 total property damage per accident.

These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.

Penalties for Driving Without Insurance

The penalties for driving without insurance in Minnesota are:

Fines, loss of privileges, or even imprisonment

Uninsured/Underinsured Motorist Coverage

Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Minnesota requires UM/UIM coverage. The minimum UM/UIM coverage amounts for Minnesota are $25,000 per person and $50,000 per accident minimum.

No-Fault Insurance

Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Minnesota is a “No-Fault” state.

Personal Injury Protection (PIP)

Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Minnesota requires drivers to purchase PIP insurance. The minimum PIP coverage amounts for Minnesota are $40,000 per person per accident ($20,000 for medical expenses and $20,000 for non-medical expenses).

SR-22 Requirements for Minnesota

An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Minnesota does not require an SR-22 filing for driver’s license reinstatement.

Minnesota DUI Laws

It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver's licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Minnesota are:

Up to 90 days imprisonment
$1,000 fine
$250 license reinstatement fee
$430 license reinstatement surcharge
$24 driver license application fee
90-day license suspension
180-day license suspension if BAC above 0.20% and/or minor under 16 in vehicle
1-year license suspension for DWI test refusal
Restricted license possible after 15 days if non-aggravating DWI
Possible ignition interlock

Additional Information on Insurance for Minnesota

For more information, please contact Minnesota Insurance Commissioner's Office: 1-651-296-6025 or visit their website at mn.gov.

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