Minner was born Ruth Ann Coverdale at Slaughter Neck in Cedar Creek Hundred, Sussex County, Delaware, near Milford. While growing up, she left high school at age 16 to help support her family. Subsequently, she married Frank Ingram with whom she had three children: Frank Jr., Wayne and Gary. When she was 32 her husband died suddenly of a heart attack, leaving her a single mother with three children. She earned her GED in 1968 and later attended Delaware Technical and Community College, while working two jobs to support the family. In 1969 she married Roger Minner and together they operated a family towing business, the Roger Minner Wrecker Service. Roger Minner died of cancer in 1991.