Minnesota Auto Insurance Guide for First-Time Buyers
Minnesota requires 30/60/10 liability coverage and is a no-fault state.
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Minnesota at a Glance
30/60/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
15
Minimum learner's permit age, 40 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Minnesota operates as a no-fault state, which means your own Personal Injury Protection (PIP) coverage pays for your medical expenses after an accident, regardless of who was at fault. All drivers must carry proof of insurance and present it during traffic stops or after accidents. The Minnesota Department of Commerce regulates insurance requirements and enforces a minimum coverage mandate that includes both liability and PIP components.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Cost Overview
$363/mo
Typical monthly rate in Minnesota, new drivers
Rate data: Insurify, 2026
Start Your First Policy on the Right Foot
Get Your First Auto QuoteRules for new drivers
Night driving
midnight-5am
Passengers
no more than 1 passenger younger than 20 first 6 months, then max 3 (secondary)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Liability insurance is the foundation of your policy — it pays for injuries and property damage you cause to others. In Minnesota, liability is split into bodily injury (covering medical bills and lost wages for people you injure) and property damage (covering vehicles or property you damage). The premium is the amount you pay monthly or annually to keep the policy active, and your liability limit is the maximum your insurer will pay per accident.
Full Coverage
Full coverage is not a specific insurance product — it's industry shorthand for a policy that includes liability, collision, and comprehensive coverage. Collision pays to repair or replace your car after an accident regardless of fault, while comprehensive covers non-collision damage like theft, hail, hitting a deer, or vandalism. You choose a deductible (the amount you pay before insurance kicks in), typically $500 or $1,000.
Comprehensive Coverage
Comprehensive coverage protects your vehicle from damage that doesn't involve a collision with another car — theft, vandalism, fire, falling objects, floods, and animal strikes. You file a claim, pay your deductible, and the insurer covers the remaining repair or replacement cost up to your vehicle's actual cash value.
Collision Coverage
Collision coverage pays to repair or replace your vehicle after you hit another car, object, or roll over, regardless of who caused the accident. If you're at fault, your collision coverage fixes your car while your liability coverage pays for the other driver's damage.
Uninsured/Underinsured Motorist Coverage
This coverage protects you if you're injured by a driver who has no insurance or whose liability limits are too low to cover your medical bills and lost income. It functions like a safety net, paying the difference between what the at-fault driver's insurance covers and what you actually need.
SR-22 Insurance
An SR-22 is not a type of insurance but a certificate your insurer files with the Minnesota Department of Public Safety to prove you carry at least the state minimum coverage. It's required after certain violations like DUI, reckless driving, or driving without insurance, and you must maintain it for a period set by the state (typically three years).