Minnesota car insurance: minimums, SR-22 rules and costs

Last updated: November 12, 2026

Minnesota drivers must carry at least $30,000/$60,000 of bodily injury liability and $10,000 of property damage liability, plus personal injury protection (PIP), uninsured motorist (UM) and underinsured motorist (UIM) coverage. In 2023, insured drivers in Minnesota spent an average of $1,102.79 on car insurance, 14% below the national average of $1,281.60, according to the National Association of Insurance Commissioners (NAIC). That makes Minnesota the 24th least expensive of the 50 states and D.C. by that measure.

Minimum car insurance required in Minnesota

Coverage	Minimum
Bodily injury liability, per person	$30,000
Bodily injury liability, per accident	$60,000
Property damage liability, per accident	$10,000
Personal injury protection (PIP)	$40,000 per person ($20,000 medical, $20,000 other losses)
Uninsured motorist (UM)	$25,000 / $50,000
Underinsured motorist (UIM)	$25,000 / $50,000

You'll often see this written as 30/60/10. The first two numbers are the bodily injury limits in thousands of dollars (per person and per accident), and the last is property damage. Those amounts are the most the policy pays for injuries and damage you cause to others. Anything above them can come back to you personally.

In Minnesota law, PIP is called "basic economic loss benefits." The $20,000 for other losses covers income loss, replacement services, funeral expenses and survivor losses.

Is Minnesota a no-fault state?

Yes. Minnesota is one of 12 states with a no-fault auto insurance law, according to the Insurance Information Institute. Your own personal injury protection pays your medical bills after a crash, whoever caused it. You can only sue the other driver for pain and suffering once your injuries pass a monetary threshold.

SR-22 rules in Minnesota

Minnesota's Driver and Vehicle Services division sets reinstatement requirements after a suspension or revocation, and those can include proof of insurance. We couldn't confirm a standard SR-22 filing period from an official source we were able to read, so check your reinstatement notice or contact DVS before you buy a policy.

What drives car insurance costs in Minnesota

Average spending in Minnesota rose 24% from 2019 to 2023, compared with 19% nationwide. Here's average annual spending per insured vehicle, from the NAIC:

Year	Minnesota average	U.S. average
2019	$892.05	$1,075.08
2020	$880.80	$1,047.76
2021	$891.65	$1,060.23
2022	$961.77	$1,124.45
2023	$1,102.79	$1,281.60

The NAIC's "average expenditure" is total written premium divided by insured vehicles. It isn't a quote, and your own price depends on your driver profile and the coverage you choose.

Uninsured drivers. An estimated 11.3% of drivers in Minnesota were uninsured in 2023, lower than the national estimate of 15.4%. That's the 18th lowest rate among the 50 states and D.C. When more drivers are uninsured, insured drivers' own uninsured motorist coverage pays more claims, which pushes up its price.
Crash deaths. Minnesota recorded 477 motor vehicle crash deaths in 2024, or 0.81 per 100 million miles driven, lower than the U.S. rate of 1.19 (the 4th lowest of the 50 states and D.C.). Severe crashes drive up bodily injury claim costs.
Where and how crashes happen. In 2024, 58% of Minnesota's crash deaths happened in rural areas (U.S.: 41%), 29% involved speeding (U.S.: 29%), and 12% of those killed were pedestrians (U.S.: 18%).
No-fault rules. Mandatory PIP means every policy pays for its own driver's medical costs, which shapes what you pay for that part of the policy.

Ways to save on car insurance in Minnesota

Compare at least three quotes. Insurers weigh the same facts differently, so prices for the same driver in Minnesota can vary widely. More ways to lower your bill.
Check your uninsured motorist limits anyway. Even at 11.3%, uninsured and underinsured drivers are common, and UM coverage is usually inexpensive. How UM coverage works.
Shop at every renewal. Prices in Minnesota rose faster than the national average from 2019 to 2023, so a renewal increase is a good reason to compare.
Review your PIP options. In a no-fault state, PIP is a big part of the bill. Ask how different PIP limits, deductibles or coordination with your health insurance change the price.
Keep comprehensive if your car is worth it. Most crash deaths in Minnesota happen on rural roads, where animal strikes and long distances are common. Comprehensive covers hitting an animal; collision covers crashes. Comprehensive vs. collision.
Ask about discounts. Common ones include safe driver, multi-car, bundling, paying in full, good student and usage-based programs. They're not always applied automatically.

See other states in our car insurance guides by state.

Sources

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DriveCheaper may be paid by companies shown on this site. How we make money. This page is general information, not insurance or legal advice. Laws and prices change, so confirm details with your insurer or your state's insurance department or DMV.