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Minnesota’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Minnesota:

Is it mandatory to have car insurance in Minnesota? 


What are the minimum limits for Minnesota?

$30,000 bodily injury per person 
$60,000 bodily injury per accident 
$10,000 property damage per accident



What coverages are required to be offered in Minnesota?

Bodily Injury liability, Property Damage liability, Uninsured/Underinsured Motorist Bodily Injury, and Personal Injury Protection must be offered.

What are all the coverages available in Minnesota?

  • Uninsured/Underinsured Motorist Bodily Injury
  • Personal Injury Protection
  • Bodily Injury
  • Property Damage
  • Rental Reimbursement
  • Special Equipment
  • Comprehension 
  • Collision 
  • Lienholder Deductible 
  • Safety Glass
  • Roadside Assistance

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Minnesota? 

20 years

How far back does Minnesota go to look at violation history?

3 years

What additional policy types are offered in Minnesota?

Named Non-Owner

Is an insurance score used in my rating in Minnesota? If so, is it mandatory? 

An insurance score is used in Minnesota, but it’s not mandatory.

What policy terms does Dairyland offer in Minnesota?

6 months and 12 months

What is Dairyland’s minimum down payment option in Minnesota?

8.33% down with 11 installments for 12-month term

Are SR22s used in Minnesota?  If so, is there a fee assessed by Dairyland?

SR22s are used in Minnesota, filed for free.

What discounts are available from Dairyland in Minnesota?

  • Advanced quote
  • Anti-theft device
  • Defensive driver course
  • Homeowners
  • Multi-car
  • Paid in full
  • Prior insurance

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