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Minnesota Auto Insurance Information and Resources

We have listed below several valuable sources of information to help educate you in obtaining car insurance in Minnesota. Included are links to organizations with helpful guides on topics such as purchasing auto insurance, filing claims and more.

Minnesota Car Insurance Laws

Minnesota auto insurance laws require minimum policy requirements for all licensed vehicles in Minnesota. This includes standard liability coverage, personal injury protection (PIP), and uninsured motorist and underinsured motorist coverage. Minnesota is a no fault state requiring minimum Personal Injury Protection (PIP) coverage of $40,000. PIP pays $20,000 of your medical expenses and $20,000 for non-medical expenses no matter who is at fault for the car accident. PIP is also known as the "No Fault" coverage.

Liability coverage minimum is 30/60/10: $30,000 for injuries to one person, $60,000 for injuries to two or more people, $10,000 for physical damage to the other driver's vehicle or property damage.

Uninsured motorist coverage and underinsured minimum requirements are $25,000 for injuries to one person, $50,000 for injuries to two or more people. These benefits are paid after you have exhausted you PIP benefits and when the other driver responsible for the accident is not covered by insurance or does not have enough liability coverage to cover your medical expenses.

Minnesota car insurance companies offer additional coverage that exceed these minimum requirements and also offer options such as collision coverage and comprehensive coverage to cover damages to your car.

Minnesota Driver and Vehicle Services ( DVS )

The Minnesota DMV website provides a great deal of information for all your motor vehicle needs in Minnesota. Many services such as changing address, renewing registration, reporting a sale, and ordering vanity plates can be done online without having to go to the DVS location. Minnesota auto owners can go online to download and get instructions all necessary forms. Residents looking for to apply for Disability Plates can read the requirement and download the application of the website. Every Minnesota driver of a motor vehicle involved in a crash which results in injury or death or total property damage of $1,000 or more must forward a crash report within 10 days of the incident to the Driver and Vehicle Services. Crash or accident reports forms can also be downloaded form the MN DMV website.

Minnesota Department of Commerce

The Minnesota Commerce Department provides up-to-date information for and about each of the industries they regulate, including the insurance industry. Consumers can find research, data, government policy and initiatives, policy filing procedures and manuals on the site.

The Minnesota Car Insurance Guide provides more information on the State's No-Fault insurance system, required car insurance coverage, optional coverage, Minnesota law on rental car coverage requirements, and coverage answers to different scenarios that you may have. It also provides you with tools to shop for auto insurance, tips to file and settle a car accident claim, and details about the point system in MN.

The Minnesota department of insurance is responsible for assuring that policyholders are protected against financially unsound insurance companies and from illegal, unfair and discriminatory business practices. Links to insurance related website that are helpful to specifically Minnesota consumers are listed. Instruction on making a complaint against insurance agents or companies is provided. Agents and producers can access the licensing, registration and certification area where application forms and instructions are provided.