The North Star State

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Minnesota Auto Insurance Coverage

With over 10,000 lakes and bustling cities like Saint Paul and Minneapolis, there's a lot to love about Minnesota. But, whether you're new to the area or have deep roots in the North Star State, it's essential to understand the auto insurance requirements in Minnesota.

Required Auto Insurance in Minnesota

Minnesota requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. Minnesota requires the following minimum liability coverage:

  • Bodily Injury: $30,000 per person and $60,000 per accident.
  • Property Damage: $10,000 per accident.
  • Personal Injury Protection: $40,000 per person. 
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident.

Minnesota Teen Driving Laws

Minnesota operates under a Graduated Driver's License (GDL) program, which includes three stages: Learner's Permit, Provisional License, and Full License. 

  • Learner's Permit: At 15, Minnesota teens can obtain a learner's permit after passing a knowledge exam. A learner's permit allows teens to drive with a parent, legal guardian, licensed driver over 21, or a certified driving instructor. 
  • Provisional License: At 16, teen drivers may apply for their provisional license after completing the required 40 hours of driving practice, finishing an education course, and passing a road skills exam. With a provisional license, teens cannot drive unsupervised between midnight and 5:00 AM for the first 6 months.
  • Full License: At 18, drivers may obtain their full, unrestricted license, provided that the driver had no traffic violations during the previous 12 months.

Please be aware of additional restrictions for teen drivers in Minnesota.

Minnesota Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in Minnesota. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage in Minnesota

No law in Minnesota states that you must settle for the state's minimum auto insurance requirements. You can always expand coverage by purchasing optional insurance policies that cover a broader range of situations.

Start your Minnesota auto insurance quote online, or by calling (888) 772-4247.

Learn More About Minnesota

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About Minnesota

Minnesota became America's 32nd state in 1858. Known for its forests and for having over 10,000 lakes, the state is also home to the Twin Cities: Saint Paul and Minneapolis.