Minnesota: rules and deadlines at a glance

Every 14 topic we track for Minnesota on one page. Open a topic for the details, the law it comes from and how Minnesota compares.

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Car insurance by state · Claim deadlines · Small claims limits · Total loss rules · Shared fault rules · Accident reporting rules · Lemon law rules · Sales tax rates · Phone-while-driving laws · Motorcycle helmet laws · Gas tax · Uninsured drivers · Marijuana laws

General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply; open a topic for the details.

Filing deadlines (statute of limitations)

Personal injury	6 years (negligence) / 2 years (intentional torts)
Property damage	6 years

Car insurance by state

Minimum liability	$30,000 / $60,000 / $10,000
Fault system	No-fault (PIP pays first; lawsuits limited)
Shared-fault rule	Modified comparative: barred at 51% fault or more

Claim deadlines Checked on official source

Acknowledge	10 business days
Accept or deny	30 business days after notice of the claim (or a written explanation); 60 business days after proof of loss
Pay	5 business days after an agreed settlement

Small claims limits Single detailed source

Dollar limit	$20,000 ($4,000 for consumer credit)
Filing fee	$65 plus law library fee
Lawyers	Allowed

Total loss rules

Total loss rule	80% of actual cash value

Shared fault rules

Rule	Modified comparative negligence (51% bar)
When you are barred	Barred if you are 51% or more at fault

Accident reporting rules

Report required if	Death, injury, or over $1,000 damage
Deadline	10 days

Lemon law rules Single detailed source

Repair attempts or days	1 for a brake or steering failure; 4 attempts; or 30 business days
Coverage period	Warranty or 2 years, whichever first

Sales tax rates Single detailed source

State rate	6.88%
Combined average	8.14%

Phone-while-driving laws Single detailed source

Handheld ban	Yes, all drivers (primary)
Texting ban	Yes, primary

Motorcycle helmet laws Single detailed source

Law type	Partial
Who must wear one	Riders under 18 or with an instructional permit

Gas tax Single detailed source

Gasoline	32.7¢ per gallon
Diesel	32.7¢ per gallon

Uninsured drivers

Drivers uninsured	11.3%
UM/UIM coverage	Uninsured and underinsured motorist required

Marijuana laws

Legal status	Recreational and medical