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Minnesota Auto Insurance Requirements

State law in Alabama requires that you have minimum Bodily Injury Liability of $30,000 per person - $60,000 per accident limit, and Property Damage limit of $10,000. This basic liability coverage is often referred to as 30/60/10 coverage.

Minnesota Insurance Coverage Minimum Limits:
Bodily Injury $30,000/$60,000 - Property Damage $10,000
Uninsured Motorist Bodily Injury: $25,000/$50,000
Personal Injury Protection: $40,000

Minnesota maintains a No-Fault Tort system meaning your insurer will pay for your injuries regardless of fault, up to a predetermined amount. Usually, you will fore go some of your rights to sue under a No-Fault Tort system. No-fault tort systems vary by state.

Minnesota state law requires you to buy Personal Injury Protection (PIP) to pay for medical expenses in the amount of up to $40,000. You are also required to have Uninsured/Underinsures Motorist coverage to protect against damages caused to you and your passengers by an Uninsured/Underinsured driver in the amount of $25,000 per person up to a total of $50,000 per accident for any bodily injury.

When getting a quote with, you'll discover that our coverage page gives you the option to select coverages to match your individual needs, you can customize every deductible or limit. If you are unsure of a particular limit to choose, you can always make changes before you purchase your policy.

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