Like all states, Minnesota requires you to carry a minimum amount of auto insurance with liability coverage, so remember not to drive without it. You should purchase your insurance as soon as you register your vehicle. Of course, you have to have your proof of insurance if you’re involved in an accident or get pulled over for a traffic violation. As in some states, Minnesota requires that all drivers in a household be covered under liability insurance. That means, not just the vehicle owner, but everyone in that household who drives the car, should have proof of insurance in the vehicle with them always.

Liability Coverage

Each state offers a breakdown of how much insurance coverage you should carry with you at all times. This is known as the “minimum liability amount.” In Minnesota, bodily injury liability insurance for a single person should be $30,000; bodily injury for all injuries should cover $60,000; property damage should cover $10,000; and personal injury protection should cover $40,000.

Minnesota Uninsured/Underinsured Motorist Coverage

Minnesota does require that its drivers carry a minimum Uninsured/Underinsured (UM/UIM) Motorist Coverage of $25,000 per person and $50,000 per accident. This important coverage protects drivers in case they are involved in an accident with a driver who does not have insurance or who does not have sufficient insurance to cover all losses or damages resulting from the accident. This coverage is will protect you from losses and is solid protection against a driver without insurance.

No Fault vs. Tort States

Then there’s what’s known as no fault insurance. In Minnesota, drivers are not required to carry no fault insurance because it’s a tort state, meaning that the driver at fault in a collision must pay a victim’s medical expenses and can be held liable for additional damages. Such additional damages may include lost wages or compensation for pain and suffering stemming from the accident.
Though these are the minimum amounts for insurance coverage required in the state, smart drivers know that additional coverage is needed to protect against all circumstances on the road. Remember, there’s no perfect amount of insurance coverage for each person. But a little research and knowing your level of comfort with risk can help you decide what’s best for you. The moral is that even securing cheap car insurance for yourself could save you greatly in the long run.