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Minnesota Auto Insurance Laws Minnesota auto insurance laws require minimum policy requirements for all licensed vehicles in Minnesota. This includes standard liability coverage, personal injury protection (PIP), and uninsured motorist and underinsured motorist coverage. Minnesota is a no fault state requiring minimum Personal Injury Protection (PIP) coverage of $40,000. PIP pays $20,000 of your medical expenses and $20,000 for non-medical expenses no matter who is at fault for the car accident. PIP is also known as the "No Fault" coverage. Liability coverage minimum is 30/60/10: $30,000 for injuries to one person, $60,000 for injuries to two or more people, $10,000 for physical damage to the other driver's vehicle or property damage.
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