Bill > SF3630

This bill increases the minimum liability coverage requirements for automobile insurance policies in Minnesota, specifically for residual liability insurance and uninsured/underinsured motorist coverages. For residual liability insurance, the minimum coverage for bodily injury to one person in an accident will rise from $30,000 to $100,000, and for two or more people from $60,000 to $200,000, with property damage coverage increasing from $10,000 to $30,000. Similarly, uninsured and underinsured motorist coverages, which protect policyholders when the at-fault driver has no insurance or insufficient insurance, will see their minimum limits increase from $25,000/$50,000 for one/two or more persons to $75,000/$150,000 respectively. These changes, referred to as "plans of reparation security," are set to take effect on August 1, 2026, and will apply to all policies offered, issued, or renewed on or after that date.

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https://www.revisor.mn.gov/bills/94/2026/0/SF/3630/