Almost every state requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

You are required to show proof of the minimum insurance coverage to a police officer when you are stopped for a moving traffic violation or involved in a traffic accident—and you may receive a citation if you are not able to show proof of insurance. And in some states you are required to show proof of insurance to register your car. In those states, the failure to register your car may result in an additional citation.

In Minnesota, drivers are legally required to carry auto insurance to cover potential damages or injuries they may cause while operating a vehicle. The state mandates that drivers have certain minimum amounts of coverage, which includes bodily injury liability and property damage liability. As of the knowledge cutoff in 2023, the minimum amounts required in Minnesota are $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $10,000 for property damage per accident. Additionally, Minnesota law requires personal injury protection (PIP), uninsured motorist coverage, and underinsured motorist coverage. Drivers must be able to provide proof of insurance when stopped by law enforcement for a traffic violation or when involved in an accident. Failure to provide proof of insurance can result in a citation. Furthermore, proof of insurance is required for vehicle registration in Minnesota, and not having your vehicle properly registered can lead to additional penalties.