MINNESOTA INSURANCE
Minnesota insurance prices and coverage options, with the state-specific details up front.
Minnesota has insurance requirements and property risks that are worth understanding before you begin. Learn the important state-specific basics, choose the coverage path that fits your situation, and start one organized insurance request when you are ready.
- Free to start
- One organized request
- Licensed review where available
WHY MINNESOTA IS DIFFERENT
Minnesota insurance starts with more than one minimum number.
Some states can be summarized primarily through liability requirements. Minnesota cannot.
Four required auto coverages
Minnesota requires PIP, liability, uninsured-motorist and underinsured-motorist coverage.
A no-fault system
Personal Injury Protection provides basic economic-loss benefits after qualifying auto injuries.
Wind and hail matter
Homeowners should pay close attention to storm deductibles, exclusions and roof settlement terms.
Fallback insurance mechanisms exist
Minnesota maintains residual-market options for certain auto and property applicants who cannot obtain standard-market coverage.
You do not need to know every insurance rule before starting. The useful first step is understanding which issues apply to you and organizing the details needed for the next review.
CHOOSE YOUR COVERAGE
Start with the coverage you are actually looking for.
Ensurance provides guided request paths for auto, home, renters, business, life and health insurance.
Auto Insurance
Organize information about your vehicles, drivers, current coverage, timing and insurance needs.
Start Minnesota auto requestHome Insurance
Start with information about the property, current insurance and the homeowners coverage you are exploring.
Start home requestRenters Insurance
Organize basic information about your rented home, belongings and coverage needs.
Start renters requestBusiness Insurance
Share information about your Minnesota business, operations, employees and the coverage you are exploring.
Start business requestLife Insurance
Begin with the people you want to protect and the basic details needed for licensed review.
Start life requestHealth Insurance
Start a guided health request where supported and understand Minnesota’s official marketplace when marketplace coverage applies.
Start health requestMINNESOTA AUTO INSURANCE
Minnesota requires four different types of auto coverage.
The required categories work together. Liability alone does not describe Minnesota’s minimum auto insurance structure.
PERSONAL INJURY PROTECTION
$40,000PIP
Minimum basic economic-loss protection per person, per accident.
LIABILITY
30 / 60 / 10Bodily injury and property damage
$30,000 for one person’s injuries, $60,000 for two or more people, and $10,000 for property damage.
UNINSURED MOTORIST
25 / 50Uninsured protection
Minimum bodily-injury protection when the responsible driver does not have applicable insurance.
UNDERINSURED MOTORIST
25 / 50Underinsured protection
Minimum bodily-injury protection when the responsible driver’s liability insurance is insufficient for the applicable claim.
Minimum does not mean recommended for every person.
These figures describe Minnesota’s minimum requirements. Individual coverage decisions should reflect your situation, policy terms and licensed insurance advice.
MINNESOTA NO-FAULT
No-fault is about injury benefits, not who pays to fix every car.
Minnesota’s no-fault protection is the Personal Injury Protection portion of an auto policy. It provides basic economic-loss benefits for qualifying injuries regardless of who caused the accident, subject to the policy and state rules.
Medical expense loss
Qualifying non-medical economic losses
DIRECT ANSWER
Does no-fault pay to repair your car?
No. Minnesota PIP addresses qualifying injury-related economic losses. It does not pay for property damage to your vehicle.
WHAT NO-FAULT MEANS
It does not erase fault from every insurance question.
Liability and property-damage issues can still depend on who caused the accident and the circumstances of the loss.
WHEN COVERAGE IS HARD TO FIND
Minnesota has an automobile residual market.
The Minnesota Automobile Insurance Plan provides a mechanism for qualifying applicants who cannot obtain coverage through the normal market.
Review Minnesota Automobile Insurance Plan informationMINNESOTA HOME & PROPERTY INSURANCE
In Minnesota, the roof deserves real attention.
Severe weather can make the details inside a homeowners policy as important as the headline coverage amount.
Know which storm risks matter to the property.
Check deductibles, exclusions and roof settlement language.
Understand that standard homeowners insurance does not cover flood.
Know which Minnesota resources exist when normal coverage is difficult.
Review wind and hail terms.
Minnesota Commerce advises homeowners to review policy changes, deductibles, exclusions and other provisions affecting wind and hail claims.
Read Minnesota Commerce guidanceFlood coverage is separate.
Standard homeowners insurance does not provide flood coverage. Flood insurance normally requires a separate policy or coverage path.
Review Minnesota flood informationThe Minnesota FAIR Plan can provide another path.
The Minnesota FAIR Plan provides basic property insurance for qualifying applicants who cannot secure coverage through the standard private market.
Visit Minnesota FAIR PlanOTHER MINNESOTA INSURANCE NEEDS
Different coverage brings different state questions.
RENTERS
Protect the property that belongs to you.
Renters insurance can provide protection for personal belongings and liability depending on the policy. Flood is a separate insurance consideration.
Start renters requestBUSINESS
Workers’ compensation is an important Minnesota requirement.
Minnesota employers generally must purchase workers’ compensation insurance or qualify for self-insurance, subject to statutory exceptions.
Start business request Minnesota workers’ compensation requirementsHEALTH
Minnesota has its own official health marketplace.
MNsure is Minnesota’s official health insurance marketplace. Consumers seeking marketplace financial assistance should understand MNsure’s role before choosing a path.
Start health request Visit MNsureLIFE
Start with the people you want to protect.
Life insurance needs are driven more by your household and financial protection goals than by Minnesota geography. Start with the basic information needed for licensed review.
Start life requestHOW ENSURANCE WORKS IN MINNESOTA
Understand the state. Then start one organized request.
Ensurance helps organize the insurance request first so the next step begins with clearer context.
CHOOSE
Tell us what you need.
Start with auto, home, renters, business, life or health insurance.
ORGANIZE
Answer guided questions.
The relevant details stay together in one structured request.
LICENSED REVIEW
Review happens where available.
Licensed agents, agencies or approved insurance partners may review the request where appropriate.
NEXT STEP
Move forward with more clarity.
Where coverage and eligibility allow, move toward available quote options or another clear next step.
Ensurance organizes the request. Licensed insurance professionals and insurance carriers remain responsible for individualized insurance advice, coverage recommendations, eligibility, underwriting, pricing, quotes and policy placement.
MINNESOTA INSURANCE FAQ
Clear answers to common Minnesota insurance questions.
These answers provide general information. Actual policy terms, eligibility, pricing and available coverage depend on individual circumstances, the insurer and licensed review.
What auto insurance does Minnesota require?
Minnesota requires four categories of auto coverage: Personal Injury Protection, liability, uninsured-motorist coverage and underinsured-motorist coverage.
What are Minnesota’s minimum liability limits?
Minnesota’s current minimum liability limits are $30,000 for injury to one person, $60,000 for injury to two or more people and $10,000 for property damage.
Is Minnesota a no-fault insurance state?
Yes. Minnesota uses Personal Injury Protection as its basic no-fault injury coverage.
How much PIP does Minnesota require?
Minnesota requires at least $40,000 of PIP per person. The basic statutory structure includes $20,000 for medical expense loss and $20,000 for qualifying non-medical economic losses.
Does Minnesota require uninsured and underinsured motorist coverage?
Yes. Minnesota requires both. The state consumer guide lists minimum limits of $25,000 for injury to one person and $50,000 for injury to two or more people for each coverage.
Does Minnesota no-fault insurance repair my car?
No. Personal Injury Protection addresses qualifying injury-related economic losses. It does not pay for property damage to your vehicle.
What if I cannot obtain ordinary Minnesota auto insurance?
The Minnesota Automobile Insurance Plan provides a residual-market mechanism for qualifying applicants who cannot obtain coverage through the normal market. Eligibility requirements apply.
Does Minnesota homeowners insurance cover flooding?
No. Standard homeowners insurance does not provide flood coverage. Flood insurance normally requires a separate policy or coverage path.
What should Minnesota homeowners check about wind and hail?
Review the actual policy for wind and hail deductibles, exclusions, roof settlement terms and renewal changes. These provisions can materially affect what you pay after storm damage.
What is the Minnesota FAIR Plan?
The Minnesota FAIR Plan provides basic property insurance for qualifying applicants who cannot obtain coverage through the standard private market.
Is Strengthen Minnesota Homes accepting applications?
No, not currently. Minnesota Commerce stated on July 1, 2026 that applications were not being accepted and that program implementation was being prepared for early 2027. Check the state program page for the latest status.
Does Minnesota require workers’ compensation insurance?
Generally, yes. Minnesota employers must purchase workers’ compensation insurance or qualify for self-insurance, although statutory exceptions exist.
What is MNsure?
MNsure is Minnesota’s official health insurance marketplace. It is the marketplace where Minnesotans can apply for qualifying financial assistance with marketplace coverage.
Does Ensurance instantly compare Minnesota insurance rates?
Ensurance uses one guided request to organize the details and move the shopper toward licensed review and available quote options where appropriate, rather than starting with a wall of disconnected prices.
Will my information be sent to a long list of agents?
Ensurance uses a controlled request process intended to reduce unnecessary exposure, broad sharing, and unwanted contact. The Privacy Policy provides the formal information-handling details.
Is a Minnesota insurance quote guaranteed?
No. Quote availability depends on factors including location, coverage type, eligibility, carrier participation and licensed review.
OFFICIAL MINNESOTA RESOURCES
Verify important Minnesota insurance information at the source.
Insurance requirements and state programs can change. Use these official resources to confirm current information.
Minnesota insurance regulation and consumer information.
AUTO Minnesota Auto InsuranceNo-fault, coverage requirements and consumer auto resources.
RESIDUAL AUTO Minnesota Automobile Insurance PlanInformation for qualifying applicants unable to obtain ordinary market coverage.
PROPERTY Minnesota FAIR PlanBasic property insurance options for qualifying applicants unable to obtain standard-market coverage.
HOME RESILIENCE Strengthen Minnesota HomesCurrent information about Minnesota’s FORTIFIED roof program.
BUSINESS Minnesota Workers’ CompensationState employer workers’ compensation requirements and exceptions.
HEALTH MNsureMinnesota’s official health insurance marketplace.
START WITH ONE REQUEST
Ready to start your Minnesota auto insurance request?
Answer guided questions about your vehicle, drivers, current coverage and timing. Ensurance organizes the details so you can move toward licensed review and available quote options with a clearer next step.