Is Minnesota a no-fault state?
Yes. Minnesota is a no-fault state. Your own Personal Injury Protection (PIP) pays up to $40,000 for medical bills, lost wages and similar costs, no matter who caused the crash.
Last checked November 9, 2026 · Official sources (6)
How does Minnesota car insurance work?
“Minnesota is a no-fault state, meaning that drivers who have been injured in a car accident in Minnesota can get compensation under their own insurance policy regardless of who was “at fault” for the accident.”
Minnesota Department of Commerce, Auto Insurance Guide
What is Minnesota's minimum car insurance?
| Coverage | What Minnesota requires |
|---|---|
| Injury to one person | $30,000 |
| Injuries in one crash | $60,000 |
| Damage to property | $10,000 |
| Personal injury protection (PIP) | PIP is required: $40,000 per person, per crash. It pays you and your household for medical or funeral costs, lost wages and replacement services. |
| Uninsured motorist | Uninsured motorist coverage is required: $25,000 for one person and $50,000 for two or more. The guide also lists underinsured coverage at the same amounts. |
When can you sue in Minnesota?
Even without large medical bills, you can sue for pain and suffering if the injury causes permanent disfigurement, permanent injury, death, or disability for 60 days or more.
Other no-fault states
Questions
How much insurance does Minnesota require?
At least $30,000 for injuries to one person, $60,000 for injuries to two or more people, and $10,000 for damage to another vehicle or property.
What if you were partly at fault in Minnesota?
If you were partly at fault, your money is cut by your share of the blame, and you get nothing only if your fault is greater than the fault of the person you are claiming against.
When can you sue after a crash in Minnesota?
You can sue for pain and suffering only if your medical expenses are over $4,000, or the injury causes permanent disfigurement, permanent injury, death, or disability for 60 days or more.
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See if I’m owed moneySources (6)
- Minnesota Department of Commerce, Auto Insurance Guide, checked 2026-11-09. “Minnesota is a no-fault state, meaning that drivers who have been injured in a car accident in Minnesota can get compensation under their own insurance policy regardless of who was “at fault” for the accident.”
- Minnesota Department of Commerce, Auto Insurance Guide, checked 2026-11-09. “Required amount of coverage: $30,000 (injuries to one person) , $60,000 (injuries to 2+ people) , $10,000 (physical damage to other vehicle or property)”
- Minnesota Department of Commerce, Auto Insurance Guide, checked 2026-11-09. “will pay you and the members of your household (within the stated limits) for medical or funeral expenses, lost wages and replacement services. Required amount of coverage: $40,000 (per person, per accident)”
- Minnesota Department of Commerce, Auto Insurance Guide, checked 2026-11-09. “the other driver is held responsible for the accident but does not have insurance. Required amount of coverage: $25,000 (injuries to one person), $50,000 (injuries to 2+ people)”
- Minnesota Statutes § 604.01, checked 2026-11-09. “if the contributory fault was not greater than the fault of the person against whom recovery is sought, but any damages allowed must be diminished in proportion to the amount of fault attributable to the person recovering.”
- Minnesota Statutes § 65B.51, checked 2026-11-09. “(b) the injury results in: (1) permanent disfigurement; (2) permanent injury; (3) death; or (4) disability for 60 days or more.”