Bill > HF3482

This bill, effective August 1, 2026, raises the minimum coverage requirements for automobile insurance policies in Minnesota. Specifically, it increases the residual liability insurance, which covers damages for bodily injury and property damage caused by an insured driver, from $30,000/$60,000/$10,000 to $100,000/$200,000/$30,000 for bodily injury to one person, bodily injury to two or more people, and property damage, respectively. Additionally, it increases the minimum limits for uninsured and underinsured motorist coverages, which protect policyholders when they are involved in an accident with a driver who has no insurance or insufficient insurance to cover the damages, from $25,000/$50,000 to $75,000/$150,000 for injury or death to one person and two or more persons, respectively. These changes apply to new and renewed insurance policies issued or renewed on or after the effective date.

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https://www.revisor.mn.gov/bills/94/2026/0/HF/3482/