If you're lacking a locally valid CCW - as far as I understand MN gun laws, it goes like this:
Firearms must be appropriately cased and un-loaded, and in the trunk of the vehicle. It is +suggested+ but not required that the ammo is kept separately. If the vehicle lacks a trunk, then firearms must be in the extreme rear of the vehicle, as far as possible from - and out of reach of - the operator and passengers.
If you're driving an SUV (like us), then case the guns and stick them in the way-back. Put the ammo, in mags or not, in a tool / tackle box and keep it likewise out of direct reach. Put locks on the guns and/or the box if you really want to be Johnny Regular.
PS - Ain't nothing wrong with being Johnny Regular.. keeps you out of stressful and pointless situations. And FWIW, I have never once - ever - had any issues wrt firearms transport in MN. But then again, like any wise person, I watch what I'm doing when potentially complicating circumstances are at-hand! =)