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Minnesota Car Insurance Requirements 

Minnesota Car insurance laws require you to have the following coverage for every vehicle:
Required Coverage
Liability:
Bodily Injury
Property Damage
Uninsured Motorist Bodily Injury
(Cannot be waived)
Underinsured Motorist Coverage
(Cannot be waived)
PIP (Personal Injury Protection)
 State Minimum Limits

$30,000/$60,000
$10,000
$25,000/$50,000

$25,000/$50,000

Basic

Optional Minnesota Car Insurance Coverages
To complete your Minnesota car insurance coverage, you may want to add the following:
Personal Injury Wage / Work Loss
Medical Payments
Medical/Hospital Benefits
Comprehensive
Collision

Suggested Minnesota Car Insurance Limits
Minnesota Car insurance minumum coverage may not be enough. Experts suggest you carry the following limits:
Liability Coverage
Uninsured Motorist
Medical Payments
Collision
Comprehensive
 $100,000/$300,000/$100,000
$100,000/$300,000/$100,000
$5,000
$500
$500

If you want to purchase an Minnesota car insurance umbrella policy, most insurance companies require you to carry specific limits of liability on all your underlying (automobile and homeowner's) insurance policies. In many cases, you may be asked to have limits of $250,000/$500,000 in order to be eligible for an insurance company's umbrella coverage.

Car Insurance Tips
To help lower your Minnesota car insurance premiums, you may want to consider the following:
Minnesota car insurance premiums are determined by weighing a number of different factors and deciding how much of a risk each of those factors represents—including the age of drivers, driving record, etc. Some factors you have no control over. Others you have choices that can help you lower your Minnesota car insurance premium. Here are some suggestions.
  • Many experts recommend a deductible of between $500 to $1,000 to help lower your Minnesota car insurance premiums. The more you’re willing to pay out-of-pocket, the better your premium can be.
  • If the resale value of your car is less than $3,000, many experts suggest that you consider dropping collision and comprehensive coverage altogether. It is an expensive part of your Minnesota car insurance. However, if you do drop this coverage and your car is stolen or you crash it, you would have to pay for repairs or replacement yourself.
  • Be sure to ask about any available Minnesota car insurance discounts. How much and what things can earn you a discount will vary from company to company and even from state to state. It’s still always worth asking about.
    Every dollar helps.
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