Minnesota Auto Insurance Requirements

The state of Minnesota is set up under the “no-fault” structure. This is set into place to limit the number of law suites that are a result of automobile accidents. Requirements under Minnesota law state that every driver must carry personal injury protection coverage. This type of coverage will provide for medical expenses, loss of income, and funeral costs in the event that the insured encounters these costs. The minimum that a resident can carry is $40,000 per person per accident.

This state also requires that drivers carry liability insurance with no less coverage than $10,000 property damage and $30,000 for personal injury totaling $60,000 for all injuries. In addition to these two types of coverage, drivers must also carry uninsured/under insured motorist coverage on their policy. These minimums are set at $25,000 for one personal injury and $50,000 for multiple injuries.

Each of these types of coverage are in place to give drivers protection against financial ruin due to an accident. Having a sufficient amount of coverage will keep you from being personally liable for amounts that exceed your coverage. Under the no-fault structure, the ability of one driver to sue another is restricted, thus making it more for drawn out law suites to tie up the courts.

If you are stopped in the state of Minnesota by a police officer, they will ask for proof of insurance. It is important that you have your insurance card or some other proof that you have at least the minimum required insurance on your vehicle. Officers can ticket or fine you for not having sufficient proof of these types of coverage.

Though it is not required by state law to legally drive in Minnesota, it is highly recommended by insurance experts that you obtain more than the minimum liability insurance coverage. In no fault states such as Minnesota, it is harder for people to sue but not impossible so your best protection would be to have a greater amount of coverage than what is mandated by state law.