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Hibbing may be where the American bus industry was born, but cars are the primary mode of transportation in Minnesota. Regardless of whether you live in the Twin Cities, Rochester, Madison, Bloomington, or any other city or place in the state, the rules about driving are clear. It is illegal to drive a car in the state of Minnesota without an automobile insurance policy.

There are a number of types of car insurance policies, including bodily injury liability, property liability, uninsured motorist coverage, medical payments, personal injury protection, collision, comprehensive, and more.

The minimum limits of coverage Minnesota requires to drive legally are $30,000 per person and $60,000 per accident in bodily injury liability insurance, $25,000 per person and $50,000 per accident in both uninsured motorist coverage and underinsured motorist coverage, and $10,000 in property damage liability coverage.

Uninsured motorist coverage helps protect you financially if the other driver is at-fault in an accident you are in but does not have insurance (or enough insurance). Liability coverage covers the medical expenses and property damages costs of others if you are at-fault in an accident.

If you do not have insurance or your insurance is not maintained you may be subject to fines and license suspension.

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