Minnesota Car Insurance
Minnesota is a no-fault state. Every policy must carry 30/60/10 residual liability under Minn. Stat. § 65B.492, plus $40,000 Basic Economic Loss PIP ($20,000 medical + $20,000 non-medical) under § 65B.441, and 25/50 UM and UIM as compulsory coverages2. Tort recovery of pain and suffering is limited by the statutory threshold under § 65B.513.
YesWeSure Bottom Line
What makes MN unusual. Four compulsory coverages: residual liability, PIP, UM, and UIM. PIP is split $20K medical + $20K non-medical, which materially affects how wage loss and replacement services are paid1.
Tort threshold. Below $4,000 in medical expenses (excluding diagnostic X-rays) and absent a specified injury, tort recovery of noneconomic damages is not available. PIP is primary3.
How to make a real decision. Treat 30/60/10 + 25/50 as a floor. For how to think about higher limits, see how to choose coverage limits.
State requirements at a glance
What Minnesota car insurance law requires
Residual liability limits
30 / 60 / 102
30/60/10 residual bodily-injury and property-damage liability under Minn. Stat. § 65B.49.
No-Fault PIP (Basic Economic Loss)
$40,000 per person1
$20,000 for medical expenses plus $20,000 for non-medical loss (wage loss, replacement services, funeral, survivor benefits) under Minn. Stat. § 65B.44.
Uninsured / Underinsured Motorist
25 / 50 BI required2
UM and UIM at 25/50 bodily injury are compulsory on every policy under Minn. Stat. § 65B.49.
Tort threshold
$4,000 medical or injury category3
Minn. Stat. § 65B.51 limits tort recovery of pain and suffering to claims meeting $4,000 in medical expenses (excluding diagnostic X-rays) or specified injury categories (60 days of disability, permanent injury, permanent disfigurement, or death).
Coverage verification
DVS insurer reporting; misdemeanor for no-insurance operation4
Minnesota Driver and Vehicle Services verifies insurance at traffic stops, registration, and license renewal. Operating without the compulsory coverages is a misdemeanor under Minn. Stat. § 169.797.
Rate approval regime
MN Department of Commerce oversight5
Minnesota does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
30/60/10 residual liability
Minn. Stat. § 65B.49 compels every registered Minnesota vehicle to carry 30/60/10 residual liability on top of PIP and UM/UIM2. Many Minnesota drivers carry higher limits.
$40,000 No-Fault PIP (Basic Economic Loss)
Minn. Stat. § 65B.44 requires $40,000 PIP per person per accident: $20,000 for medical expenses plus $20,000 for non-medical loss (wage loss, replacement services, funeral expense, survivor benefits)1. PIP is primary for first-party medical and wage-loss recovery. For how PIP sits next to MedPay, see our medical payments coverage guide.
25/50 UM and UIM compulsory
Minn. Stat. § 65B.49 requires UM and UIM at 25/50 bodily injury on every Minnesota personal auto policy2. Both are compulsory; neither can be waived at the floor.
Tort threshold under § 65B.51
Because Minnesota is a no-fault state, suit for pain and suffering is limited by the statutory threshold: medical expenses exceeding $4,000 (excluding diagnostic X-rays), or specified injury categories (60 days of disability, permanent injury, permanent disfigurement, or death)3.
DVS verification and lapse enforcement
Minnesota Driver and Vehicle Services verifies insurance at traffic stops, registration, and license renewal. Operating without the compulsory coverages is a misdemeanor under Minn. Stat. § 169.79746. For a general lapse treatment, see our after-a-lapse guide.
Rating-factor landscape
Minnesota does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age5.
Where the Minnesota situation rules live on YesWeSure
This State Guide owns the Minnesota pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Minnesota SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. DVS consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Minnesota. New-resident registration is treated in our moving-to-another-state guide.
What we verified for this page
- Strong30/60/10 residual liability verified against Minn. Stat. § 65B.49.
- Strong$40,000 Basic Economic Loss PIP ($20,000 medical + $20,000 non-medical) verified against Minn. Stat. § 65B.44.
- Strong25/50 UM and UIM compulsory verified against Minn. Stat. § 65B.49.
- StrongTort threshold under Minn. Stat. § 65B.51 verified: $4,000 medical expenses or specified injury category required to pursue noneconomic damages. Consistent with the frozen YesWeSure follow-car question page listing Minnesota among no-fault states; no conflict.
- LimitedDeliberately omitted from V1. A Minnesota modeled cost anchor; carrier-specific MN underwriting; the exact SR-22 duration (deferred to after-a-DUI); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." A Minnesota-licensed reviewer is tracked as a pre-launch YMYL item.
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Common questions
What is the minimum car insurance required in Minnesota?
30/60/10 residual liability plus $40,000 PIP ($20K medical + $20K non-medical) plus 25/50 UM/UIM12.
Is Minnesota a no-fault state?
Yes. PIP is primary and tort recovery of pain and suffering is limited by the Minn. Stat. § 65B.51 threshold3.
Can I sue for pain and suffering in Minnesota?
Only when medical expenses exceed $4,000 (excluding diagnostic X-rays) or the injury meets a specified category (60 days of disability, permanent injury, permanent disfigurement, or death)3.
Sources & methodology
- Minn. Stat. § 65B.44: Basic Economic Loss Benefits. $40,000 PIP per person ($20,000 medical + $20,000 non-medical). (Minnesota Office of the Revisor of Statutes, TIER 1)
- Minn. Stat. § 65B.49: 30/60/10 residual liability and 25/50 UM/UIM. (Minnesota Office of the Revisor of Statutes, TIER 1)
- Minn. Stat. § 65B.51: tort recovery monetary and injury-category threshold. (Minnesota Office of the Revisor of Statutes, TIER 1)
- Minn. Stat. § 169.797: operating a motor vehicle without insurance; misdemeanor penalties. (Minnesota Office of the Revisor of Statutes, TIER 1)
- Minnesota Department of Commerce: Automobile Insurance consumer guide. (Minnesota Department of Commerce, TIER 1)
- Minnesota DVS: Insurance Requirements consumer page. (Minnesota DPS DVS, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: What is medical payments coverage? (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Minnesota Statutes Chapter 65B, Minn. Stat. § 169.797, Minnesota Department of Commerce, DVS). Every legal number traces to a Minnesota primary source. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .