Minnesota Minimum Legal Requirements

 

• Minimum injury liability for one person in an accident:   $30,000
• Minimum injury liability for all injuries in an accident:  $60,000
• Minimum liability for property damage in an accident:    $10,000
• Personal injury protection (PIP) required? YES
• Uninsured motorist insurance coverage required?  YES
• No Fault State? YES

Minnesota Insurance Department

85 7th Place East, Suite # 500

St. Paul, MN, 55101

Phone: 651-297-7161

 

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The following is a guideline as to how to rank yourself according to risk. It is by no means a complete checklist for how insurance companies rate your risk level . Many additional factors are involved and vary depending upon the insurance companies underwriting methods. 

* A "Preferred Risk" driver can answer yes to the following questions:

• No Accidents or  Moving Violations in the Last 3 Years.
• Good to Excellent Credit. No problems receiving credit.
• No past license suspensions, DUI's, etc. 
• Continuous insurance coverage history. No lapsed or terminated policies
• At least 25 years old.
  

** A "Standard Risk" driver can answer yes to the following questions:

• Only 1-2 moving violations or 1 "at fault" claim in the last 3 years.
• Average or better credit. Some minor credit problems.  
• No past license suspensions, DUI's, etc. 
• Continuous insurance coverage history. No lapsed or terminated policies
• At least 21 years old.

*** A "High Risk" driver may have one or more of these characteristics:

• 3 or more moving violations or 2 or more "at fault" claims in the last 3 years.
• Poor credit, bankruptcies, large number of defaults.  
• License suspensions, DUI's, SR22, etc. 
• Lapses in insurance coverage due to non-payment or multiple claims.
• 16-21 years old.

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