Uninsured and underinsured motorist liability and coverage requirements modifications

Minnesota's SF 3630 raises minimum auto insurance coverage requirements for bodily injury and property damage. It increases liability coverage limits from $30,000/$60,000 to $100,000/$200,000 per person/accident and property damage from $10,000 to $30,000 per accident. The bill also raises uninsured/underinsured motorist coverage minimums from $25,000/$50,000 to $75,000/$150,000 per person/accident for vehicles registered or garaged in Minnesota. These changes apply to all new or renewed policies issued on or after August 1, 2026.