States
Minnesota minimum car insurance: 30/60/10
At least $30,000 per person, $60,000 per accident and $10,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Minnesota minimum: 30/60/10 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$85,000
- Total damages: $155,000
- Injury paid by the policy: $60,000 (per-person cap reached)
- Property paid by the policy: $10,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Minnesota's section 65B.49 sets $30,000 for one person, $60,000 for two or more and $10,000 for property, so the injury lines sit above the common 25/50 while the property line sits below the common $25,000. It also requires separate uninsured and underinsured motorist coverages of at least 25/50. Enforcement is in section 169.797. Violation is a misdemeanor, and a gross misdemeanor within ten years of the first of two prior convictions. The operator's license is revoked for up to 12 months, and an operator who owns the car also loses the registration for up to 12 months. Before reinstatement, the operator files an insurer's written certificate that security is in place. That is the same idea as an SR-22, though the section we read does not use the name. An owner who cannot produce proof within ten days of an officer's request also commits a misdemeanor.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Minnesota
No other state we read uses this exact combination, which makes copying a policy from a neighbor unreliable: check all three numbers, not just the first.
$30,000 is the most the policy pays for one injured person. $60,000 is the most it pays for everyone hurt in the crash. $10,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $30,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $60,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $10,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Minnesota.
What else we read for Minnesota
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Uninsured and underinsured motorist cover, each at least $25,000 per person and $50,000 per accident (65B.49). | official text |
| Penalties | Misdemeanor, gross misdemeanor on a third conviction within ten years; license and owner registration revoked for up to 12 months (169.797). | official text |
| SR-22 or similar filing | Before reinstatement, the operator files an insurer's written certificate that security is in place (169.797). The section does not use the name SR-22. | official text |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.