Minnesota Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Coverage

• $30,000 per person injured in any one accident and $60,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

• $10,000 for injury to or destruction of property of others in any one accident

Basic Economic Loss Benefits.

• A minimum of $40,000 for injury to any one person, consisting of $20,000 for medical expenses and $20,000 for income loss, replacement services, funeral expense, survivor’s economic loss, and survivor’s replacement services is required. An injured person cannot sue a negligent driver, unless damages exceed the coverage amount or the injury results in a permanent disfigurement, permanent injury, death, or disability that lasts 60 days or longer.

Optional Insurance Coverage

• Uninsured (UM) and Underinsured Motorist (UIM) Coverage. Each coverage must provide at least $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident.

Special Rules for Motorcycle Owners

• Motorcycle owners must carry liability insurance. There is no requirement that the policy provide for basic economic loss benefits.