Minnesota Auto Insurance regulations:

Minnesota is a no fault state, each driver must carry three insurance coverages. These coverages are, standard liability, uninsured and underinsured motorist bodily injury, and personal injury protection.

The state's liability minimums requirements are 30/60/10. That is $30,000 per individual for bodily injuries you cause to the other persons, and up to $60,000 for all, and $10,000 for damage you cause to the other party's personal property. The uninsured and underinsured motorist bodily injury coverage is required in the amount of 25/50 ($25,000 for injuries per person, up to $50,000 total). Insurance regulations require $40,000 worth of PIP coverage, ($20,000 for medical costs, and $20,000 for other items). Overall Rates are determined by the driving habits of the drivers within a state.

Minnesota determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums.