Liability and uninsured and underinsured motorist coverage requirements raised.

HF 3482 increases minimum auto insurance coverage requirements in Minnesota. It raises liability coverage limits to $100,000 per person/$200,000 per accident for bodily injury and $30,000 for property damage. The bill also increases required uninsured/underinsured motorist coverage to $75,000 per person/$150,000 per accident. These changes apply to all auto insurance policies issued, renewed, or offered in Minnesota on or after August 1, 2026, directly affecting drivers and insurers.