Car insurance laws in minnesota

Commerce is here to help you make the most of insurance from buying the right amount of coverage and in the case of an accident, settling a claim and getting you back on the road. Auto insurance is required by Minnesota law. If you have a car loan, your lender may also require additional coverage such as collision and comprehensive coverage.

In Minnesota, state laws require that you have minimum liability coverage limits of 30/60/10. That means your policy will pay $30,000 for medical costs to those you injure in an accident, up to $60,000 per accident, and $10,000 for damage you cause to other cars and property.

While it is illegal to drive without insurance in the state of Minnesota, some drivers take this risk. Uninsured (UM) and underinsured (UIM) motorist coverages help you in the event you are involved in an incident with an unins ured or underinsured driver who cannot pay to cover your damages.