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Minnesota Minimum Car Insurance and Penalties for Driving Without It
The short answer
Minnesota requires liability insurance of at least $30,000 per person and $60,000 per accident for injuries, and $10,000 for property damage (30/60/10). Other required coverage: PIP $40,000, UM/UIM 25/50.
Minnesota at a glance
| Minimum liability | $30,000 per person and $60,000 per accident for injuries, and $10,000 for property damage (30/60/10) |
|---|---|
| Other required coverage | Personal injury protection (PIP) of at least $40,000 per person ($20,000 for medical expenses and $20,000 for income loss and other losses) is required, plus uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident each. |
| First offense for driving uninsured | Driving without insurance is a misdemeanor with a fine of at least $200, and your driver license is revoked for up to 12 months. If you own the vehicle, its registration is also revoked for up to 12 months. Before reinstatement you must file an insurer's certificate, which can be required to be noncancelable for up to one year. |
| Repeat offense | A second offense is still a misdemeanor. A third offense within ten years is a gross misdemeanor, with the same license and registration revocation rules. |
| Fee to restore after a lapse | $30 fee to reinstate the driver license after a revocation for no insurance. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Minnesota?
Minnesota requires liability insurance of at least $30,000 per person and $60,000 per accident for injuries, and $10,000 for property damage (30/60/10). Other required coverage: PIP $40,000, UM/UIM 25/50.
What happens if you drive without insurance in Minnesota?
Driving without insurance is a misdemeanor with a fine of at least $200, and your driver license is revoked for up to 12 months. If you own the vehicle, its registration is also revoked for up to 12 months. Before reinstatement you must file an insurer's certificate, which can be required to be noncancelable for up to one year.