Minnesota is a no-fault state: after a crash, your own auto policy's personal injury protection (PIP) pays certain medical and economic losses regardless of fault. State law requires at least $40,000 of PIP per person ($20,000 medical, $20,000 non-medical), liability of $30,000/$60,000/$10,000, and uninsured and underinsured motorist coverage of $25,000/$50,000 each. These are minimums, not recommendations.
What Minnesota requires
Figures as stated in Minnesota Statutes chapter 65B on the as-of date of this guide:
Basic economic loss benefits (PIP): a minimum of $40,000 per person, made up of $20,000 for medical expense and $20,000 for income loss, replacement services and related losses (Minn. Stat. 65B.44, subd. 1).
Residual liability: at least $30,000 for bodily injury to one person, $60,000 for injury to two or more people in one accident, and $10,000 for property damage (Minn. Stat. 65B.49, subd. 3).
Uninsured and underinsured motorist: separate coverages of at least $25,000 per person and $50,000 per accident each (Minn. Stat. 65B.49, subd. 3a).
Minimums are not recommendations
The right limits depend on what you own and what you could lose in a lawsuit. Minnesota law also sets thresholds for when an injured person can bring a claim against the at-fault driver; read Minn. Stat. 65B.51 or ask us to walk through it with you.
Questions for your review
Are your liability limits above the minimums, and do they match your assets?
Would a personal umbrella policy make sense for you?
Do your uninsured and underinsured motorist limits mirror your liability limits?
Which optional coverages are on your policy, and which were offered but not added?
Frequently asked questions
What does no-fault mean in Minnesota?
Your own auto policy's personal injury protection pays certain medical and economic losses for you and covered passengers after a crash, whoever caused it. The rules are in the Minnesota No-Fault Automobile Insurance Act, Minn. Stat. chapter 65B.
What is the minimum PIP in Minnesota?
Minn. Stat. 65B.44 sets a minimum of $40,000 per person: $20,000 for medical expense and $20,000 for income loss, replacement services and related losses.
What are Minnesota's minimum liability limits?
Minn. Stat. 65B.49 requires at least $30,000 per person and $60,000 per accident for bodily injury, plus $10,000 for property damage. Minimums are not recommendations.
Reasons Insurance: Independent Insurance Agency in New Brighton, MN
We’re an independent agency: we work with several insurers, compare the options available to you and explain the differences in writing. You make the choice. Bring your current policy and we'll read it with you.
This guide is general information, not legal advice. Your policy and your state's law decide how coverage applies. It is not a policy and does not change, add or confirm any coverage. Your policy, including its forms, endorsements and exclusions, decides what is covered. Coverage, availability and prices vary by carrier, property and underwriting. Laws and rules cited here can change; confirm with the official source. Please read your policy and ask us about your situation before you decide. Reasons Insurance, LLC, (651) 636-6911.