Minnesota Auto Insurance
Under Minnesota law, motorists must carry a minimum of $30,000 person and $60,000 per accident in Bodily Injury
Liability (BIL) insurance. This coverage helps pay the medical expenses of the other driver, cyclist or
pedestrian if the insured is at fault. The state also requires each motorist to carry at least $10,000 in
Property Damage Liability (PDL) insurance. This insurance pays for repairs or replacement to other driver’s
vehicle when the insured is at fault. Neither BIL or PDL pay for expenses incurred by the at-fault driver in the
Minnesota also requires a minimum of $25,000 per person and $50,000 per accident in both uninsured and
underinsured motorist coverage. This insurance pays the medical bills up to the coverage limits when the insured
is injured in an auto accident caused by an uninsured or underinsured motorist. This type of insurance does not
cover property damage.
Drivers must carry a minimum of $40,000 in Personal Injury Protection (PIP) insurance, which pays for medical
expenses, lost wages and related items no matter who is at fault. PIP insurance applies to the policyholder,
their spouse, children, relatives living in the home without their own auto insurance, and anyone whom the
policyholder has granted permission to drive the vehicle. Keep in mind all PIP claims require filing within six
months of the accident.
While the state does not require comprehensive and collision insurance, lenders of leased or financed vehicles
will almost certainly mandate such coverage.
SR-22 Insurance in Minnesota
Minnesota is one of only a few states that do not require the filing of an SR-22 form in order for a person with a revoked license to have the license restored.
While an SR-22 form is not required per se, the state uses its own, similar form. A person whose driver’s
license is revoked in Minnesota because of a DUI or other serious motor vehicle violation must have their
insurance company submit a certificate of insurance with the Minnesota Department of Public Safety before
Minnesota Driver Statistics
The twelfth-largest state in size, Minnesota ranks 21st in population. Approximately 5.6 million people call
Minnesota home, and about 3.9 million of them have drivers’ licenses. The Twin Cities regional area of St. Paul
and Minneapolis account for 3.2 million residents. St. Paul is the state capital, while Minneapolis itself is
the largest city. The traffic congestion in this area is considerable, an issue affecting an otherwise good
quality of life overall for Minnesotans.
Top industries in Minnesota include biosciences, manufacturing, data centers, agriculture, banking and finance,
healthcare services — it is the home of the renowned Mayo Clinic — and renewable energy.
Known as the Land of Lakes, the great Mississippi River’s primary source is situated in Minnesota. Shoppers
throng to the Mall of America, which features not only more than 500 stores, but dozens of hotels, restaurants,
theaters and other entertainment venues. Superior National Forest, located in northeastern Minnesota, includes
the Boundary Waters Canoe Area Wilderness, one of the world’s top destinations for paddlers.
Minnesota Auto Insurance & Accident Facts
In 2017, Minnesota traffic fatalities decreased by nearly 9 percent over the previous year. A total of 358
people lost their lives on Minnesota roadways in 2017, compared with 392 deaths in 2016. The 2017 deaths
included 242 motorists, 42 pedestrians, 6 bicyclists, and 53 motorcycles.
Of the 358 dead, 72 were killed in drunk driving-related accidents or roughly 20 percent. Seventy-eight of the
dead motorists were not wearing a seatbelt, while 88 were speeding and 25 were driving while distracted. More
than half of those arrested for drunk driving in Minnesota in 2017 were between the ages of 20 and 34.