Required Auto Insurance, No-Fault/PIP & Minimum Limits in Minnesota

Liability minimums

Minnesota’s current residual liability baseline is $30,000 for bodily injury to one person, $60,000 for bodily injury to two or more people in one accident, and $10,000 for property damage. Higher personal, commercial, umbrella, or excess limits may apply and should be investigated separately.

Basic economic loss / PIP

Minn. Stat. § 65B.44 requires at least $40,000 in basic economic loss benefits for each injured person. The statutory minimum is divided into $20,000 for medical expense loss and $20,000 for income loss, replacement services, funeral expense, and survivor economic loss. These are first-party no-fault benefits and are not a substitute for liability damages.

UM/UIM

Minn. Stat. § 65B.49 requires uninsured and underinsured motorist coverage, with minimum bodily-injury limits of $25,000 per person and $50,000 per accident. UM and UIM operate under statutory priority and anti-stacking rules that must be read together with the policy.

What to obtain after a crash

• Declarations page and complete policy.
• PIP/basic economic loss limits and deductibles.
• UM/UIM limits and endorsements.
• Umbrella, excess, commercial, employer, rental, and TNC policies implicated by the facts.
• Written coverage and limits disclosure under Minnesota law.