# Minnesota Car Insurance Guide (2026): Laws, PIP & Costs > Minnesota car insurance explained: 30/60/10 liability, $40,000 no-fault PIP, required UM/UIM, what full coverage means, and how to lower your premium safely. Source: https://blockagencyinc.com/blog/auto/minnesota-car-insurance-guide/ [Home](https://blockagencyinc.com/) / [Blog](https://blockagencyinc.com/blog/) / Auto / Minnesota Car Insurance Guide Auto # Minnesota Car Insurance: The Complete 2026 Guide Start with your ZIP Enter your ZIP code Prefer to call? [(651) 252-6655](tel:+16512526655) Please enter a valid 5-digit ZIP code. Almost done Who should we contact about your quote? A licensed agent on Ryan's team will follow up to finish your quote. What type of insurance? Home Auto Home + Auto bundle Renters Condo Landlord / rental Flood Life Business RV / boat Motorcycle Leave this field empty By clicking “Send my free quote request,” I give [Block Agency LLC](https://blockagencyinc.com/about-ryan-block) (Farmers Insurance - Block Agency) my prior express written consent, by electronic signature, to contact me about my insurance quote and related insurance products and services by phone calls and text messages, including calls and texts made with automated technology or an artificial or prerecorded voice, and by email, at the number and email address I provided, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their marketing. Consent is not a condition of purchase; you can call us instead at [(651) 252-6655](tel:+16512526655). Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. You can revoke consent at any time by any reasonable means. 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[Call Block Agency · (651) 252-6655](tel:+16512526655) Mon–Fri · 9:00 AM – 5:00 PM CT What Minnesota requires, how no-fault really works after a crash, and how to lower your premium without leaving a gap. 17 min read · Updated October 2026 · For Minnesota drivers By **the Block Agency Team** · Reviewed by ** Ryan Block**, Licensed Minnesota Insurance Agent (MN Lic. #40025895) · [About Ryan](https://blockagencyinc.com/about-ryan-block) The Quick Answer Minnesota car insurance must include four coverages: liability of at least **30/60/10**, no-fault PIP of **$40,000 per person** ($20,000 medical and $20,000 non-medical), and uninsured and underinsured motorist coverage of **25/50 each** (Minn. Stat. 65B.49 and 65B.44). Collision and comprehensive are optional under state law, and in Minnesota ** comprehensive is what pays for deer hits and hail**. Premiums rose about **29% from 2022 to 2024**, per NAIC data analyzed by the Minneapolis Fed. The minimums keep you legal, not protected. ** Block Agency**, a Farmers Insurance® agency in Eagan, quotes Minnesota auto coverage at **[(651) 252-6655](tel:+16512526655)**. Required liability : 30/60/10 (Minn. Stat. 65B.49) No-fault PIP : $40,000 per person UM / UIM : 25/50 each, required Free quotes : [(651) 252-6655](tel:+16512526655) Free auto quote Want to see what better-than-minimum coverage costs? Send your ZIP and we'll price liability and UM/UIM at limits that fit your household. Farmers first, with additional carriers when Farmers isn't the right fit. No obligation. What type of insurance? Home Auto Home + Auto bundle Renters Condo Landlord / rental Flood Life Business RV / boat Motorcycle Prefer to call? [(651) 252-6655](tel:+16512526655) Please add a valid 5-digit ZIP and pick a coverage type. Almost done Who should we contact about your quote? A licensed agent on Ryan's team will follow up to finish your quote. Leave this field empty By clicking “Send my free quote request,” I give [Block Agency LLC](https://blockagencyinc.com/about-ryan-block) (Farmers Insurance - Block Agency) my prior express written consent, by electronic signature, to contact me about my insurance quote and related insurance products and services by phone calls and text messages, including calls and texts made with automated technology or an artificial or prerecorded voice, and by email, at the number and email address I provided, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their marketing. Consent is not a condition of purchase; you can call us instead at [(651) 252-6655](tel:+16512526655). Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. You can revoke consent at any time by any reasonable means. I agree to the [Privacy Policy](https://blockagencyinc.com/privacy) and [Terms of Use](https://blockagencyinc.com/terms), including the [arbitration clause](https://blockagencyinc.com/terms#arbitration) and [E-SIGN consent](https://blockagencyinc.com/terms#esign). Please complete all fields with a valid phone and email. ✓ You're all set Thanks. Our team will reach out during business hours to review your Minnesota quote. Rather talk now? [Call Block Agency · (651) 252-6655](tel:+16512526655) Mon–Fri · 9:00 AM – 5:00 PM CT ## What Most People Get Wrong About This **The usual line:** Minnesota is a no-fault state, so it doesn't matter who caused the crash. Your insurance pays for you, theirs pays for them, and nobody gets sued. **What's actually true:** only one slice of that holds up. No-fault means your own policy pays *your* medical bills and lost income, up to $40,000, no matter who caused the crash. That's the whole promise. Fault still decides who pays to fix the cars. It still follows you onto your record. And once the other person's medical expenses pass $4,000, or the injury causes permanent injury, permanent disfigurement, death, or disability lasting 60 days or more, they can sue the driver who caused it for pain and suffering (Minn. Stat. 65B.51). That lawsuit lands on your liability coverage. At the state minimum, that's $30,000 per person. **What to do instead:** treat no-fault as the floor under your own injuries, not a shield. The thing standing between a bad afternoon on I-494 and your savings is your liability limit. That's the number worth getting right. If you've ever looked at an auto policy and wondered what "30/60/10" actually buys you, you're in good company. Minnesota runs one of the more unusual auto insurance systems in the country, part no-fault and part fault-based, and the required coverages were written for the statute book rather than for the person paying the premium. This guide walks through it in plain English: what the law requires, how no-fault works when you're the one on the shoulder of I-35E, what "full coverage" really means here, why rates climbed faster than the national average, and how to bring your premium down without opening a gap you'd only find after a crash. Liability minimum : 30/60/10Minn. Stat. 65B.49 No-fault PIP : $40,000$20K medical + $20K non-medical UM / UIM : 25/50 eachRequired on every policy Uninsured drivers : About 1 in 9IRC estimate, 2023 data ## What car insurance is required in Minnesota? Short answerFour coverages on every policy (liability, no-fault PIP, uninsured motorist and underinsured motorist), while collision and comprehensive are optional under state law but rarely optional for your lender. Minnesota requires the owner of every registered vehicle to keep what the law calls a "plan of reparation security" in force whenever the car is being driven (Minn. Stat. 65B.48). In everyday language, that's an auto policy carrying four specific coverages, each with a legal minimum set in [Minn. Stat. 65B.49](https://www.revisor.mn.gov/statutes/cite/65B.49) and [65B.44](https://www.revisor.mn.gov/statutes/cite/65B.44). Here's what each one does, and the two optional coverages most drivers add on top: Required 30/60/10 ### Liability Pays for injuries and damage you cause to other people: up to $30,000 per injured person, $60,000 per accident and $10,000 for property. That last number is less than the price of most cars on the road today. Required $40,000 ### Personal injury protection (no-fault) $20,000 for medical bills and $20,000 for lost income, replacement services and funeral costs, for you and your household, whoever caused the crash. Required 25/50 ### Uninsured motorist (UM) Covers your injuries when the driver who hit you has no insurance at all, and in many policies a hit-and-run. The Insurance Research Council estimates 11.3% of Minnesota drivers were in that group in 2023. Required 25/50 ### Underinsured motorist (UIM) Covers the gap when the at-fault driver has insurance, but their limits run out before your bills do. It's the partner to UM, and it matters just as much. Optional by law Your car ### Collision Repairs your own car after it hits another vehicle or an object, including the January slide into a guardrail, minus your deductible and regardless of fault. Optional by law Your car ### Comprehensive Covers most damage that isn't a collision: deer strikes, hail, theft, fire, falling branches, a cracked windshield. In Minnesota, this is the coverage that earns its keep. If your car is financed or leased, expect your lender to require collision and comprehensive too. The Minnesota Department of Commerce [notes that lenders may require both](https://mn.gov/commerce/insurance/auto/basics). And if you're tempted to let a policy lapse between cars or between carriers, don't. **Driving uninsured in Minnesota is a crime, not just a risk** It's a misdemeanor with a minimum $200 fine, your driver's license will be revoked for up to 12 months (and the car's registration too, if you own it), and getting them back requires an insurer's certificate proving current coverage (Minn. Stat. 169.797). A third offense within 10 years becomes a gross misdemeanor. Even a short lapse can also follow you into higher quotes later, so line up the new policy before the old one ends. ## How does Minnesota no-fault (PIP) insurance work after a crash? Short answerYour own policy pays your medical bills and lost income first, up to $40,000, no matter who caused the crash, but fault still decides almost everything else. "No-fault" describes how injury bills get paid in the weeks after a crash. Instead of waiting for the insurers to argue over who caused it, your own personal injury protection starts paying without waiting for fault to be decided. It covers you and members of your household, and depending on their own coverage, passengers and pedestrians can be covered too. Here's what the $40,000 is made of, straight from [Minn. Stat. 65B.44](https://www.revisor.mn.gov/statutes/cite/65B.44): | PIP benefit | What it pays for | Statutory limit | | --- | --- | --- | | Medical expense | Hospital, doctor, chiropractic, therapy and other reasonable medical care | $20,000 per person | | Income loss | 85% of the gross income you lose while you can't work | Up to $500 a week, inside the $20,000 non-medical pool | | Replacement services | Paying someone to do what you'd normally do at home, like childcare, housework or shoveling the driveway | Up to $200 a week, after a 7-day waiting period | | Funeral expense | Funeral and cremation costs | Up to $5,000 | | Survivors' loss | Support for dependents if the crash is fatal | Up to $500 a week | Two practical rules from the [Department of Commerce](https://mn.gov/commerce/insurance/auto/basics) are worth remembering. First, no-fault claims must be made within six months of the accident, so open the claim even if you're not sure how badly you're hurt. Second, no-fault usually doesn't apply when you're riding a motorcycle or a snowmobile. Those need their own coverage conversation. ### When fault comes back into it No-fault covers injuries. It doesn't fix cars. Damage to your vehicle is paid either by the at-fault driver's liability coverage or by your own collision coverage, after which your insurer can pursue the other driver to recover what it paid. Fault also returns for serious injuries. Under [Minn. Stat. 65B.51](https://www.revisor.mn.gov/statutes/cite/65B.51), an injured person can sue for pain and suffering once medical expenses pass $4,000, or if the injury causes permanent injury, permanent disfigurement, death, or disability lasting 60 days or more. When a case does go that way, Minnesota's comparative fault rule applies: **if you're 50% or less at fault, you can still recover**, reduced by your share (Minn. Stat. 604.01). **After a crash, in this order** Make sure everyone is safe and call 911 if anyone is hurt. Photograph the cars, the road and the other driver's insurance card. Then call your own insurer, or us, and open the PIP claim right away, even if you think the other driver was at fault. The six-month clock starts at the crash, not when the pain shows up. Reviewed by Ryan Block · Licensed Minnesota Insurance Agent (MN Lic. #40025895) Ryan owns Block Agency, a Farmers Insurance® agency in Eagan licensed in Minnesota and Wisconsin. His bilingual team helps Twin Cities families size their coverage before they need it. [More about Ryan](https://blockagencyinc.com/about-ryan-block) ## Is Minnesota's minimum coverage enough? Short answerFor most households, no: the minimums keep you legal, but they don't stop a serious crash from reaching your savings, your home equity or your future paycheck. The 30/60/10 limits are a legal floor, and the floor hasn't kept pace with what cars and injuries cost. A chain-reaction crash on I-494 at rush hour can damage several vehicles that are each worth more than $10,000. A serious injury claim can climb past $30,000 well before anyone reaches a courtroom. Whatever your policy doesn't pay, the person you hit can pursue you for directly. 11.3% of Minnesota drivers were estimated to be **uninsured** in 2023, about one in nine. When one of them hits you, your own uninsured motorist coverage is what pays for your injuries. Insurance Research Council, 2025 study (2023 data), via the [Insurance Information Institute](https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists) ### How we'd think about sizing it * **Size liability to what you could lose.** Add up home equity, savings and the income you'd be exposed to. For most homeowners, that points to limits several times the state minimum, and often a personal umbrella policy on top. * **Raise UM and UIM along with liability.** Under Minn. Stat. 65B.49, an insurer doesn't have to sell you UM/UIM above your own bodily injury liability limit. So if you want strong protection for *your* injuries, the liability limit usually has to come up first. * **Don't count on stacking.** Minnesota law says UM/UIM limits for two or more vehicles can't be added together for one accident. Two cars at 25/50 doesn't give you 50/100. Buy the per-accident limit you actually want. * **Keep PIP in perspective.** $20,000 of medical coverage can go quickly after a serious crash. Your health plan may pick up some of the rest, but lost income past the PIP limit has nowhere to go except a claim against the other driver, or your own UIM. Check your limits Is your liability sized to what you own? Two fields to start. A licensed agent on our team will compare your current limits with what your household actually needs. What type of insurance? Home Auto Home + Auto bundle Renters Condo Landlord / rental Flood Life Business RV / boat Motorcycle Prefer to call? [(651) 252-6655](tel:+16512526655) Please add a valid 5-digit ZIP and pick a coverage type. Almost done Who should we contact about your quote? A licensed agent on Ryan's team will follow up to finish your quote. Leave this field empty By clicking “Send my free quote request,” I give [Block Agency LLC](https://blockagencyinc.com/about-ryan-block) (Farmers Insurance - Block Agency) my prior express written consent, by electronic signature, to contact me about my insurance quote and related insurance products and services by phone calls and text messages, including calls and texts made with automated technology or an artificial or prerecorded voice, and by email, at the number and email address I provided, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their marketing. Consent is not a condition of purchase; you can call us instead at [(651) 252-6655](tel:+16512526655). Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. You can revoke consent at any time by any reasonable means. I agree to the [Privacy Policy](https://blockagencyinc.com/privacy) and [Terms of Use](https://blockagencyinc.com/terms), including the [arbitration clause](https://blockagencyinc.com/terms#arbitration) and [E-SIGN consent](https://blockagencyinc.com/terms#esign). Please complete all fields with a valid phone and email. ✓ You're all set Thanks. Our team will reach out during business hours to review your Minnesota quote. Rather talk now? [Call Block Agency · (651) 252-6655](tel:+16512526655) Mon–Fri · 9:00 AM – 5:00 PM CT ## What does "full coverage" mean in Minnesota? Short answerIt isn't a legal term; it usually means the four required coverages plus collision and comprehensive, and in Minnesota comprehensive does more of the heavy lifting than most people expect. When a lender or a dealership says "full coverage," they mean a policy that protects the car itself, not just other people. The easiest way to understand which part pays is to walk through the claims Minnesota drivers actually file: | What happened | What usually pays | Worth knowing | | --- | --- | --- | | You hit a deer on a county road | Comprehensive | Swerve into the ditch to miss it, and it usually becomes a collision claim instead | | Hail dents the car in your driveway | Comprehensive | Comprehensive, the coverage that pays for hail, was the biggest factor in Minnesota's 2022–2024 rate increases (more below) | | You slide on ice into a guardrail | Collision | If you slide into another car, your liability pays for theirs | | Someone rear-ends you at a light | Their liability for your car; your PIP for injuries | Your collision can pay first, minus the deductible, while your insurer pursues theirs | | Your car is stolen from a parking ramp | Comprehensive | Personal items inside are usually a homeowners or renters claim | | A truck kicks up gravel and cracks the windshield | Comprehensive | Glass is often handled differently from other claims, so check your policy | Deer deserve their own paragraph in this state. Law enforcement reported 1,234 crashes involving deer or other animals in Minnesota in 2023, according to the Department of Public Safety's [Minnesota Crash Facts](https://assets.dps.mn.gov/files/ots/2023_Minnesota_Crash_Facts.pdf), and that only counts the ones police wrote up. DPS says these crashes [peak in the autumn](https://dps.mn.gov/divisions/ots/safe-driving-information-and-laws/driver-and-passenger-safety/deer-vehicle-safety), that deer are most active between 6 and 9 p.m., and that you shouldn't swerve. That safety advice lines up with the insurance math: hitting the deer is typically a comprehensive claim, while swerving into a tree is typically a collision claim with its own deductible and a bigger chance of someone getting hurt. We walk through the deductibles, the at-fault question and what to do at the scene in [our guide to deer collisions and Minnesota car insurance](https://blockagencyinc.com/blog/auto/deer-collision-insurance-minnesota/). Can you drop collision and comprehensive? If the car is paid off and worth little, collision can cost more over a few years than the car would pay out. Comprehensive typically costs less than collision, and in a state with this much hail and this many deer, it's usually the last one we'd suggest cutting. On a financed or leased car, the lender decides, and dropping either one can put you in breach of the loan. ## Why has car insurance in Minnesota gotten so expensive? Short answerHail, repair costs and comprehensive claims pushed Minnesota premiums up about 29% from 2022 to 2024, the ninth-largest increase among the states. If your renewal felt steep, the numbers back you up. In a May 2026 analysis, the [Federal Reserve Bank of Minneapolis](https://www.minneapolisfed.org/article/2026/why-did-auto-insurance-rates-go-up-so-much-in-minnesota) used NAIC data to show premiums rising 27% nationally between 2022 and 2024, and 29% in Minnesota. The cause here was different, too. Nationally, liability coverage drove the increase. In Minnesota, the biggest factor was comprehensive coverage, followed by collision. That's mostly weather and repair bills. The Minneapolis Fed points to 581 severe hail storms in Minnesota in 2022, as reported by the National Weather Service. Two of them struck the Twin Cities metro and nearby areas and caused more than $5 billion in damage, according to the Minnesota Department of Natural Resources. It also found Minnesota repair costs climbing faster than the national average in 2021 and 2022. For context, the NAIC's latest national report puts the average spent per insured vehicle at $1,281 in 2023, and the NAIC itself cautions that state-to-state comparisons should be made carefully. Some of what sets your premium is out of your hands. Some isn't: | Rate factor | What it means for you | Can you control it? | | --- | --- | --- | | Hail and severe weather | Statewide comprehensive losses get priced into everyone's policy, whether or not your car was hit. | No | | Repair and parts costs | Sensors, cameras and labor make even small repairs expensive. | No | | Where the car is garaged | Rates vary by ZIP code with local claim and theft patterns. | Partly | | Credit-based insurance score | Allowed in Minnesota with limits: insurers must tell you when credit is used and re-score you on request up to twice a year (Minn. Stat. 72A.20). | Partly | | Driving record and claims | Tickets and at-fault crashes typically raise rates for several years. | Yes | | The car you drive | Repair cost, theft rates and safety features all show up in the price. | Yes | | Limits and deductibles | Your choices, and the place where smart trade-offs live. | Yes | ## How can you lower your premium without cutting the coverage that protects you? Short answerWork the levers you control, like deductibles, discounts, bundling and re-shopping at renewal, and leave liability, UM/UIM and PIP alone. There's smart-cheap and there's cheap that's just risk you haven't paid for yet. The levers that actually work: * **Bundle home and auto.** Many carriers offer a multi-policy discount, where available. If your [home insurance](https://blockagencyinc.com/home-insurance) is with a different company, that's worth a look, and our [Minnesota homeowners insurance guide](https://blockagencyinc.com/blog/home/minnesota-homeowners-insurance-guide/) covers what to check on the home side. * **Raise the deductible to a number you could pay tomorrow.** A higher collision and comprehensive deductible lowers the premium. Just make sure it's an amount sitting in your savings, not a hope. * **Ask about every discount you may qualify for.** Safe driving, good student, multiple cars, safety equipment, paying in full and going paperless are common. Availability varies by carrier, so ask rather than assume. * **Try usage-based pricing if it fits how you drive.** Where it's offered, a telematics program can reward low mileage and smooth driving. It isn't a fit for everyone. * **Never let coverage lapse.** A gap can mean higher quotes later, and driving during one is a misdemeanor. * **Re-shop at renewal, not just the year you buy a car.** Carriers reprice constantly. We start with Farmers and, when Farmers isn't the right fit, can look at additional carriers for you. ### Smart-cheap vs dangerous-cheap | The lever | Smart-cheap | Dangerous-cheap | | --- | --- | --- | | Deductible | Raise it to an amount you could pay tomorrow | Raise it past what you have in savings | | Liability | Size it to your assets and add an umbrella if needed | Drop to 30/60/10 because it's legal | | UM / UIM | Match it to your liability limit | Leave it at 25/50 while carrying more liability | | Collision on an older car | Drop it once the car is paid off and worth little | Drop it on a financed car and breach the loan | | Switching carriers | Start the new policy the day the old one ends | Let it lapse "just for a week" | | Driving for an app | Add rideshare coverage before your first shift | Assume your personal policy covers it | The right-hand column doesn't save money. It postpones the bill and adds interest. **Bring us your declarations page.** We'll walk through your limits line by line and show you what moving off the minimums would cost. No obligation. [Get My Free Quote](https://blockagencyinc.com/quote) ## What do you need for an accurate car insurance quote? Short answerAbout five minutes of paperwork: driver details, vehicle details, your current declarations page, and the limits you want to compare. A quote is only as good as the information behind it. Bring these and you'll get a number you can actually compare: 1. **Every driver in the household.** Names, birth dates and driver's license numbers, including teens with a permit. 2. **Every vehicle.** Year, make and model, or better, the VIN. Note roughly how many miles a year each one is driven, where it's parked overnight, and whether it's financed or leased. 3. **Your current declarations page.** It lists your limits, deductibles and endorsements, and it's the fastest way to compare like for like. 4. **Your driving history.** Recent accidents, tickets and claims. Carriers will see them anyway, and surprises late in the process cost time. 5. **The limits you want.** Ask for two quotes: one that matches what you have today, and one at the limits you should have. Seeing the two side by side is the most useful number in the whole process. When you quote with us, we start with Farmers Insurance and, when Farmers isn't the right fit for your household, can look at additional carriers. Our office is in Eagan, and our bilingual team can walk you through the whole thing in English or Spanish. Se habla español. Call [(651) 252-6655](tel:+16512526655) or [start a quote online](https://blockagencyinc.com/quote). ## What changes if you drive for a rideshare app or in Wisconsin? Short answerRideshare driving needs its own coverage because a personal policy can exclude it, and Wisconsin is an at-fault state with different minimums. **Rideshare and delivery apps.** Minnesota sets specific coverage for transportation network company drivers in [Minn. Stat. 65B.472](https://www.revisor.mn.gov/statutes/cite/65B.472). While the app is on and you're waiting for a ride request, at least 50/100/30 liability plus UM/UIM and PIP is required. During a prearranged ride, the requirement rises to $1.5 million of liability, along with UM/UIM and PIP. The law also lets personal auto insurers exclude coverage for those periods entirely. If you drive for an app, even occasionally, ask about a rideshare endorsement before your next shift. **Wisconsin.** Block Agency is licensed in Wisconsin too, and the rules there differ. Wisconsin is an at-fault state, not no-fault. The required minimums are 25/50/10 liability and 25/50 uninsured motorist coverage. Underinsured motorist coverage is optional, and medical payments coverage must be offered but isn't required, according to the [Wisconsin Office of the Commissioner of Insurance](https://oci.wi.gov/Pages/Consumers/PI-233.aspx). If you're moving across the St. Croix, or registering a car on the other side, your policy needs to follow the state the car lives in. ## The Bottom Line If you do one thing after reading this, pull your declarations page and find your liability limits. If they read 30/60/10, you're legal, and you're carrying the least protection Minnesota allows against the one kind of claim that can follow you for years. Raise liability first, then bring UM/UIM up to match. After that, remember how the pieces fit. No-fault PIP pays your own injury bills up to $40,000, and you have six months to open the claim. Fault still decides who fixes the cars and who can be sued. Comprehensive pays for deer and hail, and Minnesota has plenty of both. And the way to bring the premium down is deductibles, discounts, bundling and re-shopping, never cutting the coverage that protects you. Minnesota's auto market has been through a rough few years, and the drivers who come through it well aren't the ones who found a trick. They're the ones who knew what their policy said before they needed it. For how we put Minnesota auto policies together, see our [auto insurance page](https://blockagencyinc.com/auto-insurance). If you own your home, read the [home insurance](https://blockagencyinc.com/home-insurance) page too, since bundling is one of the cleaner ways to save. Ready when you are Get your Minnesota auto quote Start with your ZIP. A licensed agent at our Eagan office reviews every quote. Se habla español. What type of insurance? Home Auto Home + Auto bundle Renters Condo Landlord / rental Flood Life Business RV / boat Motorcycle Prefer to call? [(651) 252-6655](tel:+16512526655) Please add a valid 5-digit ZIP and pick a coverage type. Almost done Who should we contact about your quote? A licensed agent on Ryan's team will follow up to finish your quote. Leave this field empty By clicking “Send my free quote request,” I give [Block Agency LLC](https://blockagencyinc.com/about-ryan-block) (Farmers Insurance - Block Agency) my prior express written consent, by electronic signature, to contact me about my insurance quote and related insurance products and services by phone calls and text messages, including calls and texts made with automated technology or an artificial or prerecorded voice, and by email, at the number and email address I provided, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their marketing. Consent is not a condition of purchase; you can call us instead at [(651) 252-6655](tel:+16512526655). Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. You can revoke consent at any time by any reasonable means. I agree to the [Privacy Policy](https://blockagencyinc.com/privacy) and [Terms of Use](https://blockagencyinc.com/terms), including the [arbitration clause](https://blockagencyinc.com/terms#arbitration) and [E-SIGN consent](https://blockagencyinc.com/terms#esign). Please complete all fields with a valid phone and email. ✓ You're all set Thanks. Our team will reach out during business hours to review your Minnesota quote. Rather talk now? [Call Block Agency · (651) 252-6655](tel:+16512526655) Mon–Fri · 9:00 AM – 5:00 PM CT ## Related Questions Minnesota Drivers Ask Is Minnesota a no-fault state for car insurance? Yes. Every Minnesota auto policy must include personal injury protection (PIP) of at least $40,000 per person: $20,000 for medical expenses and $20,000 for non-medical losses such as income, replacement services and funeral costs. Your own PIP pays your injury-related losses first, no matter who caused the crash. Fault still matters for vehicle damage, and an injured person can sue the at-fault driver once medical expenses pass $4,000 or the injury is permanent, disfiguring, fatal, or disabling for 60 days or more (Minn. Stat. 65B.51). What happens if you drive without insurance in Minnesota? It's a misdemeanor under Minn. Stat. 169.797, with a fine of at least $200. Your driver's license will be revoked for up to 12 months, along with the vehicle's registration if you own it, and reinstating them requires a certificate from an insurer proving current coverage. A third violation within 10 years is a gross misdemeanor, as is driving uninsured in a crash that causes death or substantial bodily harm. Does car insurance cover hitting a deer in Minnesota? Usually yes, if you carry comprehensive coverage. Hitting a deer or other animal is typically a comprehensive claim, subject to your comprehensive deductible. If you swerve to avoid the deer and hit a tree, a ditch or another car instead, it's usually treated as a collision claim. Minnesota's Department of Public Safety advises drivers not to swerve, and deer crashes peak in the autumn. Can I sue the other driver after a car accident in Minnesota? For injuries, only if you meet Minnesota's tort threshold: medical expenses over $4,000, or a permanent injury, permanent disfigurement, death, or disability lasting 60 days or more (Minn. Stat. 65B.51). For damage to your car, you can pursue the at-fault driver or their insurer directly, or let your collision coverage pay and your insurer recover the cost. Minnesota uses comparative fault, so you can recover if you're 50% or less at fault, reduced by your share. Do I need uninsured motorist coverage if I have health insurance? Yes. Minnesota law requires uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident on every auto policy. Health insurance may help with medical bills, but it doesn't replace lost income or pay for pain and suffering when an uninsured or underinsured driver injures you. The Insurance Research Council estimated that 11.3% of Minnesota drivers were uninsured in 2023. Can Minnesota insurers use my credit to price car insurance? Yes, with limits. Minnesota allows credit-based insurance scores, but under Minn. Stat. 72A.20 an insurer can't reject, cancel or nonrenew a policy based on credit without also weighing other underwriting factors, must tell you when credit information is used, and must re-score you on request up to twice a year. Insurers must also, on your request, offer reasonable exceptions when your credit was hurt by a catastrophic injury or illness, temporary loss of employment or the death of an immediate family member, and a missing credit history can't be held against you in those decisions. Last reviewed by Ryan Block, licensed Minnesota insurance agent, on October 5, 2026. Minnesota statutes cited (65B.44, 65B.48, 65B.49, 65B.51, 65B.472, 72A.20, 169.797 and 604.01) were checked against [revisor.mn.gov](https://www.revisor.mn.gov/statutes/) on that date. Premium trends come from the Federal Reserve Bank of Minneapolis (May 2026) and the NAIC; uninsured-driver estimates from the Insurance Research Council. This guide is general information, not a substitute for reading your own policy. Coverage depends on your specific contract, and not all coverages and discounts are available from every insurer. Free Minnesota Quote A local Eagan office with a licensed agent on every quote. Se habla español. 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