Minnesota Car Insurance

Minnesota has a no-fault car insurance law. If you're injured in an auto accident, no matter whose fault, you claim against your own personal injury protection (PIP) coverage first. If your PIP limits are exceeded, then claims can be made against the at-fault party's bodily injury liability coverage.

Minnesota requires a minimum of $40,000 in PIP; $20,000 of that amount is allowed for medical expenses, and $20,000 may be used for lost wages or other nonmedical expenses.

In addition to PIP, Minnesota mandates bodily injury liability coverage of at least $30,000 per person ($60,000 per accident), plus $10,000 of property damage liability. This property damage limit is low; if you have savings and a home to safeguard, we recommend you increase all of your liability limits.

Uninsured motorist bodily injury (UM) and underinsured motorist (UIM) are separate coverages in, but both are required as part of a Minnesota auto insurance policy with limits of $25,000 per person ($50,000 per accident).

Like ice fishing? If you regularly drive onto one of Minnesota's 11,842 lakes while ice-fishing, you'll want comprehensive coverage … just in case. Collision won't pay if you fall through.

Rental car coverage: Minnesota law mandates that every car insurance policy include, under the property damage liability section, $35,000 in coverage for damage to (or loss of use of) a rental car -- without a deductible being due.

Discounts: State law requires auto insurers offer drivers age 55 and older a 10 percent discount for completing an approved defensive driving course. A discount of 5 percent off of comprehensive is required for vehicles with an anti-theft device.

Electronic proof of insurance: Minnesota law allows an insurance identification card to be provided in electronic format.