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MINNESOTA GUIDE 15

Minnesota Rideshare & Transportation Network Coverage

Minnesota rideshare insurance changes according to app status and whether the driver is engaged in a prearranged ride. TNC coverage operates alongside Minnesota no-fault/PIP and UM/UIM requirements.

  • Preserve app-status, trip and GPS records.
  • Obtain the driver’s personal policy and the transportation-network policy.
  • Review personal-policy exclusions and rideshare endorsements.
  • Analyze waiting-period and prearranged-ride liability, no-fault and UM/UIM coverage.

Publication review note — September 17, 2026. Verify current Minn. Stat. § 65B.472 requirements and policy language before publication.