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
High-value homes in Minnesota.
Disasters, floods, hail, tornadoes and earthquakes in Minnesota
| 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.
The property risks that matter in Minnesota
The Twin Cities metro has seen some of the costliest hail events in the country, and many policies now carry separate wind/hail deductibles.
Large hail regularly damages roofs, siding and vehicles in Minnesota. Comprehensive coverage handles hail on your car; on your home, check the roof settlement terms and any cosmetic-damage exclusion.
Winter storms drive many Minnesota claims: frozen and burst pipes, ice dams and roof collapse from snow load. Sudden pipe bursts are usually covered, but losses from failing to maintain heat in a vacant home may not be. Water backup coverage is a separate endorsement.
Tornado and straight-line wind damage is generally covered by homeowners policies as windstorm, but many Minnesota policies now apply a separate wind/hail deductible. Know the dollar amount before spring storm season.
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.
Before your next Minnesota renewal
- Compare your auto liability limits with the Minnesota minimum of 30/60/10 and with your actual assets.
- Read the roof settlement clause and ask whether Class 4 impact-resistant shingles earn a credit.
- Add water backup coverage and keep heat on when the home is empty.
- Confirm whether your wind/hail deductible is a flat amount or a percentage.
- Condo owners: compare your HO-6 loss assessment limit with the HOA master deductible.
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 Minnesota nonresident insurance producer license (#41065892, NPN 21022298) and places Minnesota policies 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.
Will my Minnesota policy pay to replace a hail-damaged roof?
It depends on the roof settlement terms. Some policies pay replacement cost; others pay actual cash value on older roofs or exclude cosmetic damage.
Are frozen pipes covered in Minnesota?
Sudden bursts are usually covered, but damage caused by failing to maintain heat in a vacant home may be excluded.
More answers: Minnesota homeowners insurance guide Minnesota renters insurance and security deposit guide Minnesota small business insurance requirements Minnesota life insurance consumer guide Minnesota flood risk and NFIP guide Minneapolis home and auto insurance guide
Sources
- Minnesota: Minimum car insurance
- Minnesota: Fault system
- Minnesota: Workers’ compensation
- Minnesota: Home insurer of last resort
- Minnesota: Contractor licensing
- Minnesota: insurance regulator
- NAIC: directory of state insurance departments
General information as of October 2026, not legal advice; confirm current rules with the agency.