Minnesota is a no-fault state with 30/60/10 minimum liability. Here's exactly what the law demands, what it costs to ignore it, and how SR-22 filings work — with statutes cited.
| Coverage MN law requires | Minimum |
|---|---|
| Bodily injury liability — per person | $30,000 |
| Bodily injury liability — per accident | $60,000 |
| Property damage liability | $10,000 |
| Personal injury protection (PIP) | $40,000 |
| PIP | Personal Injury Protection (basic economic loss benefits) of $40,000 per person per accide |
| UM/UIM | Both uninsured motorist and underinsured motorist coverage of at least $25,000 per person |
Effective Long-standing requirements; verified current as of July 2026. Source: Minnesota Department of Commerce - Auto Insurance Guide · Minnesota No-Fault Automobile Insurance Act, Minn. Stat. ch. 65B (65B.41-65B.71); uninsured-driving penalties under Minn. Stat. 169.797
First offense: Driving without insurance is a misdemeanor with a fine of not less than $200 (up to the statutory misdemeanor maximum), and the court may allow community service in lieu of the fine (Minn. Stat. 169.797).
Repeat offenses: A violation within ten years of two prior convictions is a gross misdemeanor, as is an uninsured violation by a driver who causes or contributes to a crash resulting in death or substantial bodily harm (Minn. Stat. 169.797).
License impact: The commissioner of public safety may revoke the driver's license and, if the operator is the owner, the vehicle registration for up to 12 months; reinstatement requires a fee and a written certificate from an authorized insurer showing that coverage under Minn. Stat. 65B.48 is in force (Minn. Stat. 169.797; ValuePenguin). (source: Minnesota Statutes 169.797 (Office of the Revisor of Statutes))
Minnesota law does not use SR-22 terminology in statute; instead, before license or registration reinstatement after an uninsured-driving revocation, the driver must file a written certificate from an authorized insurance carrier confirming coverage is in place (Minn. Stat. 169.797). Insurers commonly file this certificate on an SR-22-style form, and non-owner policies can satisfy the requirement for drivers without a vehicle (ValuePenguin). No fixed multi-year filing period is specified in the reinstatement statute.
Typically required after: License or registration revocation for driving uninsured (insurance certificate filing before reinstatement), Other reinstatements where the commissioner of public safety requires an insurer-filed certificate. Filing period: 0 years in most cases. Non-owner option: available — you can file without owning a car.
Need one filed? Our SR-22 service page explains the process; a licensed professional at (866) 370-6395 can usually file the same day.
Minnesota's no-fault law requires basic economic loss benefits of at least $40,000 per person per accident: $20,000 for medical expense loss and $20,000 total for income loss, replacement services, funeral expense, and survivor's economic and replacement-services loss, paid by your own insurer regardless of fault (Minn. Stat. 65B.44).
PIP benefits are paid by your own insurer regardless of fault; lawsuits for pain and suffering are limited by no-fault thresholds under the Minnesota No-Fault Act.
Officers can request proof of insurance at traffic stops, and failure to later provide proof can lead to license and registration revocation (Minn. Stat. 169.797; ValuePenguin).
License and registration consequences: The commissioner of public safety may revoke the driver's license and, if the operator is the owner, the vehicle registration for up to 12 months; reinstatement requires a fee and a written certificate from an authorized insurer showing that coverage under Minn. Stat. 65B.48 is in force (Minn. Stat. 169.797; ValuePenguin).
| City | Population | Median income | 30+ min commute | No-vehicle households |
|---|---|---|---|---|
| Minneapolis | 427,246 | $80,846 | 24.6% | 15.6% |
| St. Paul | 307,284 | $73,394 | 23.8% | 13.0% |
| Rochester | 122,330 | $89,389 | 12.9% | 8.3% |
| Bloomington | 88,665 | $93,211 | 22.7% | 6.7% |
| Duluth | 87,093 | $68,807 | 13.0% | 10.2% |
| Brooklyn Park | 83,876 | $89,891 | 26.1% | 7.8% |
| Plymouth | 79,220 | $136,534 | 28.7% | 2.9% |
| Woodbury | 78,305 | $125,310 | 33.7% | 2.7% |
| Lakeville | 74,354 | $139,041 | 36.3% | 3.5% |
| Blaine | 72,488 | $106,801 | 34.9% | 2.4% |
Source: US Census Bureau, ACS 5-year estimates.
Twin Cities driving orbits the I-494/694 loop, the 35W and 35E splits, and I-94 between the downtowns, with Friday summer exoduses north to cabin country jamming 35 and 94 like clockwork. E-ZPass lanes on 35W and 394 sell commuters out of the Bloomington and Maple Grove crawl. Winter is the insurance story: snow emergencies with towing rules every street-parked car owner knows by heart, black ice on bridge decks, and spring hail that keeps body shops booked — comprehensive coverage is simply assumed here. Deer strikes climb fast once you pass Rochester, St. Cloud, or Eau Claire. Locals budget for a windshield chip or two from every sand-and-salt season.
Outstate Minnesota driving is its own discipline. Duluth's I-35 descent into downtown demands respect when Superior fog rolls in or the hillside avenues glaze over, and lake-effect snow can bury the North Shore while the rest of the state stays dry. Highway 61 draws leaf-season and summer traffic north past Two Harbors. Down in bluff country, Winona and Austin drivers deal with river fog, drifting snow across open fields, and deer that seem to own the dusk hours. Animal strikes fall under comprehensive while slide-offs land on collision, so understanding both deductibles matters here more than most places. Long winters reward a policy reviewed by someone who actually plows through them.
427,246 residents
307,284 residents
122,330 residents
88,665 residents
87,093 residents
83,876 residents
79,220 residents
78,305 residents
74,354 residents
72,488 residents
71,173 residents
70,629 residents
68,000 residents
64,463 residents
63,468 residents
63,051 residents
55,679 residents
53,262 residents
53,064 residents
49,594 residents
46,012 residents
45,473 residents
45,036 residents
40,992 residents
Every legal claim on this page traces to:
Laws change. We refresh state pages on a rolling schedule and date-stamp every change; verify with your state before acting.