The Minnesota minimum auto insurance requirements are designed to provide a small level of protection in the event you damage someone else’s property, or you cause harm to another person. In Minnesota, drivers need a minimum of $30,000 per person and $60,000 per accident for Bodily Injury Liability Coverage and $10,000 per accident for Property Damage Liability Coverage, along with $40,000 in Personal Injury Protection (PIP) coverage. The minimum for uninsured and underinsured motorist coverage it $25,000 per person and $50,000 per accident.