Insurance in Minnesota: State Rules and Requirements

Car insurance in Minnesota (30/60/10)

Minimum car insuranceMinnesota requires liability coverage of $30,000 per person, $60,000 per accident and $10,000 for property damage. PIP of at least $40,000 per person ($20,000 medical and $20,000 for lost income and other non-medical losses) is mandatory, as are separate uninsured and underinsured motorist coverages of at least $25,000/$50,000 each. Source
Fault systemMinnesota is a no-fault state: your own PIP pays first for injury losses, and suits for pain and suffering are limited by a monetary threshold. Source

Business insurance rules in Minnesota

Workers’ compensationMinnesota has no minimum number of employees: nearly every employer, even one with a single part-time worker, must carry workers' compensation or be approved to self-insure. It is not a monopolistic state. Source
Contractor licensingThe Department of Labor and Industry licenses residential building contractors, remodelers and roofers. A license will not be approved without current proof of general liability insurance (at least $100,000 per occurrence, $300,000 aggregate and $25,000 property damage) and of workers' compensation compliance. Source

Home insurance in Minnesota

Home insurer of last resortHail and windstorms are the main homeowners risk, and many policies now carry a separate wind/hail deductible set as a percentage of the dwelling limit, commonly 1%; insurers moving a policy to a percentage deductible must also offer a flat-dollar option. Source

Disasters, floods, hail, tornadoes and earthquakes in Minnesota

Minnesota disasters, floods, hail, tornadoes and earthquakes, from federal records
Measure	Minnesota	Rank among the states	Detail
Federal major disaster declarations since 2000	29	#25 (tied) of 51	Most often for severe storm (15), flood (12), straight-line winds (1). Yellow Medicine County has been in 12 of them.
National Flood Insurance Program claims, 2005–2025	3,107	#40 of 51	$51.2 million paid; 49% of claims with a known flood zone were outside FEMA’s high-risk zones.
Hail reports, 2016–2025	3,845	#8 of 51	355 of them 2 inches or larger. Largest stone 6 inches, Stevens County, July 2024.
Tornadoes, 2016–2025	489	#12 of 51	26 rated EF2 or stronger; 2,216 recorded since 1950.
Earthquakes of magnitude 4.0+, 2000–2025	0	—	None of magnitude 4.0 or greater recorded in or near the state.

From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.

Look up the storm history of any county in Minnesota.

Worth knowing in Minnesota

Minnesota is one of the few states that requires both uninsured and underinsured motorist coverage, as separate coverages, on top of no-fault PIP.

Minnesota’s insurance regulator

Insurance in Minnesota is regulated by the Minnesota Department of Commerce, which handles consumer complaints and licenses insurers and agents.

Sam Alishahi holds a nonresident insurance producer license in Minnesota (NPN 21022298), so requests from Minnesota are handled by him directly.

Common questions

What is the minimum car insurance in Minnesota?

Minnesota requires liability coverage of $30,000 per person, $60,000 per accident and $10,000 for property damage. PIP of at least $40,000 per person ($20,000 medical and $20,000 for lost income and other non-medical losses) is mandatory, as are separate uninsured and underinsured motorist coverages of at least $25,000/$50,000 each.

Is Minnesota a no-fault state?

Minnesota is a no-fault state: your own PIP pays first for injury losses, and suits for pain and suffering are limited by a monetary threshold.

Do employers in Minnesota need workers’ comp?

Minnesota has no minimum number of employees: nearly every employer, even one with a single part-time worker, must carry workers' compensation or be approved to self-insure. It is not a monopolistic state.

What can a Minnesota homeowner do if no insurer will write the house?

Hail and windstorms are the main homeowners risk, and many policies now carry a separate wind/hail deductible set as a percentage of the dwelling limit, commonly 1%; insurers moving a policy to a percentage deductible must also offer a flat-dollar option.

Sources

General information as of October 2026, not legal advice; confirm current rules with the agency.

Tell me what you need insured.

Home, car, business, trucks or something harder to place. One request, and I take it from there.

Alishahi Insurance · Saman Alishahi, independent insurance broker, 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210. General information, not a quote or a promise of coverage.

Insurance in Minnesota