When it comes to car insurance, the state of Minnesota requires that all vehicles have liability insurance. This means that if you cause an accident, your insurance will pay for the damages to the other vehicle or property. It will not pay for your own damages. You are also required to have uninsured and underinsured motorist coverage in Minnesota. This protects you if you are in an accident with a driver who does not have insurance or does not have enough insurance to cover the costs of the accident.