Minimum car insurance in Minnesota.
What Minnesota requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Minnesota, the minimum liability limits are written 30/60/10 (in thousands): $30,000 for injury to one person, $60,000 for injury to everyone in one accident, and $10,000 for property damage.
How the system works
Minnesota uses a no-fault style system, so your own policy pays part of your medical costs after a crash whoever caused it. The exact rules differ from the at-fault system used in most states.
No-fault. PIP $40,000 required; UM and UIM each required at 25/50.
What the minimum means in practice
Say a crash you cause injures three people. The Minnesota minimum pays at most $30,000 to any one of them and $60,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $10,000.
If you drive without insurance in Minnesota
Driving without insurance is a misdemeanor with a fine of at least $200 and possible jail time, and a conviction can bring driver's license and registration revocation of up to 12 months. A violation within ten years of the first of two prior convictions is a gross misdemeanor.
Proof of insurance
Drivers must have proof of insurance in their possession whenever they operate a vehicle and show it on a peace officer's demand; insurance cards may be in electronic format.
SR-22 and similar filings
The statute does not use the term SR-22, but before reinstatement the person must file a certificate from an insurance carrier authorized in Minnesota, which the commissioner may require to be noncancelable for up to one year.
Also worth knowing in Minnesota
When the driver is not the owner, an officer may send the owner a notice, and an owner who fails to produce proof of insurance within ten days is guilty of a misdemeanor.
Your state regulator
Minnesota Department of Commerce is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Minnesota a no-fault state?
Minnesota uses a no-fault style system for medical costs, with its own rules.