The Minnesota No-Fault Act (MS.65B.48), requires owners of registered motor vehicles to maintain security on their vehicle.

This MN law states that every owner of a motor vehicle of a type which is required to be registered or licensed or is principally garaged in this state shall maintain during the period in which operation or use is contemplated a plan of reparation security under provisions approved by the commissioner, insuring against loss resulting from liability imposed by law for injury and property damage sustained by any person arising out of the ownership, maintenance, operation or use of the vehicle.

The most common way to comply with this law is to obtain a MN no-fault auto insurance policy though self-insurance is also available in certain circumstances, subject to approval of the commissioner.

The MN no-fault at makes it a crime for a vehicle owner to operate or permit operation of any uninsured (unsecured) motor vehicle or motorcycle upon any public road, street, or highway. Violation of the law can result in fines or imprisonment and/or loss of driving privileges.

Furthermore, Minnesota Statutes (169.791) for producing proof of insurance say that every driver should have in their possession at all times when operating a vehicle. If a driver does not produce insurance, they are guilty of a misdemeanor.

The state required minimum insurance in MN mandates that all vehicles to have PIP, Liability, Uninsured, and Underinsured coverage in the following amounts:

Liability – Bodily injury of $30,000 for injuries to one person, $60,000 for injuries to two or more people and $10,000 for physical damage to the other driver’s vehicle or for damage to property.

Personal Injury Protection (PIP) - $40,000 per person per accident, ($20,000 for hospital/medical expenses and $20,000 for non-medical expenses such as lost wages, replacement services, etc.).

Uninsured Motorist Bodily Injury - $25,000 for injuries to one person, $50,000 for injuries to two or more people.

Underinsured Motorist Bodily Injury - $25,000 for injuries to one person, $50,000 for injuries to two or more people.

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