Motorcycle Insurance — Minnesota

Minnesota requires liability coverage.
That minimum is not enough to protect you.

The state minimum ($30,000 per person) sounds like coverage — until you see what a serious motorcycle injury actually costs. The right policy covers your bike, covers your medical bills, and protects you from uninsured drivers. Not just the state minimum.

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Cruisers, sport bikes, touring, vintage, trikes
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UM/UIM strongly recommended
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Multiple carriers compared for best rate

Motorcyclists are 29x more likely to die in a crash than car occupants. The right coverage matters.

80% of motorcycle crashes result in injury or death. The average motorcycle injury claim exceeds $30,000 — and serious injuries routinely exceed $100,000. Minnesota minimum limits do not come close to covering a major accident.

What can happen without adequate coverage:

  • Serious crash — $200K in medical bills, only $30K in coverage
  • Uninsured driver runs a red light and hits you — no UM coverage means you pay
  • $15,000 bike stolen from your garage — liability-only policy pays nothing
  • Deer strike at 50 mph — significant repairs, no comprehensive coverage
  • Passenger injured — sues you for medical costs

Proper motorcycle insurance is not significantly more expensive than minimum coverage — especially when you factor in what you are actually protecting. A full coverage policy on a mid-range cruiser often costs $400–$800 per year.

The two most important coverages to add

UM/UIM: Pays your medical bills when the at-fault driver has no insurance or not enough — the single most important add for any rider
Higher liability: Minnesota minimum is $30K/$60K — a single serious injury can exceed $30K easily

Coverage Types

What motorcycle insurance covers

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Liability Coverage

Pays when you are at fault and injure someone or damage their property — medical expenses, lost wages, pain and suffering, legal defense, and property damage. Minnesota minimum is $30K/$60K/$10K. We recommend at least $100K/$300K/$100K.

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Collision Coverage

Pays for damage to your bike when you collide with another vehicle or object — crashes, single-vehicle accidents, potholes, guardrails. You pay the deductible; insurance covers repairs or replacement.

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Comprehensive Coverage

Covers theft, vandalism, fire, hail, and animal damage. Motorcycles are high-theft targets — more portable and easier to move than cars. Comprehensive pays for theft from your garage, a parking lot, or a trailhead.

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Uninsured / Underinsured Motorist

Pays your medical bills when the driver who hit you has no insurance or not enough. This is the most critical coverage for motorcyclists — when a car hits a bike, the rider always suffers worse. Many drivers carry only state minimums.

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Medical Payments (MedPay)

Pays your and your passenger's medical expenses after an accident, regardless of fault. Covers emergency care, surgery, hospital stays, and rehab quickly — without waiting for fault to be determined.

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Accessory and Custom Parts Coverage

Covers aftermarket additions — custom exhaust, saddlebags, chrome, audio, custom paint. Standard policies often sublimit accessories at $1,000–$3,000. If you have invested in upgrades, coverage needs to reflect actual value.

Minnesota Riding Considerations

What makes Minnesota motorcycle coverage distinct

Agreed value for classic and custom bikes: If you have a vintage motorcycle or a heavily customized bike, ask about agreed value coverage. Actual cash value pays depreciated market value at time of loss — which may be significantly less than what you have invested. Agreed value sets a fixed payout upfront so you receive that amount after a total loss.

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Minnesota Motorcycle Insurance Checklist

Review coverage types, understand seasonal options, and prepare for your quote with this free guide.

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Quick Rate Estimate

What does motorcycle insurance cost in Minnesota?

Most riders pay $200–$1,200 per year. Sport bikes run higher. Answer four questions to see your range.

Our Process

Three steps to the right motorcycle policy

1

Tell Us About Your Bike

Year, make, model, any customizations, and how you use it — commuting, weekend rides, long-distance touring. Accurate details lead to accurate coverage and the right limits for your specific machine.

2

We Compare Carriers

We work with multiple motorcycle insurance carriers and find the combination of coverage and price that makes sense for how you ride. We always recommend UM/UIM and review accessory limits for any customized bikes.

3

Get the Right Rate

We shop multiple motorcycle carriers to find coverage matched to your bike, your riding history, and your zip code. We also look for every applicable discount — MSF course completion, multi-policy bundling, anti-theft devices, and riding experience.

Frequently Asked Questions

What Minnesota riders ask us most

No. Motorcycles require separate motorcycle insurance. Your personal auto policy does not extend to motorcycle operation, including liability coverage while riding.
Yes. Minnesota minimum limits of $30,000/$60,000/$10,000 are dangerously inadequate for a serious motorcycle accident. Medical costs for traumatic brain injury, spinal injury, or multiple fractures routinely exceed $30,000 per person. We recommend at minimum $100,000/$300,000/$100,000, and UM/UIM coverage at matching limits.
Uninsured motorist coverage pays your medical bills when the driver who caused the accident has no insurance or insufficient coverage. When a car hits a motorcycle, the rider always suffers worse injuries. If that driver is uninsured, UM/UIM coverage is the only thing paying your bills. It is some of the most important coverage a motorcyclist can buy.
Yes. During winter storage you can suspend collision and liability while keeping comprehensive coverage active — which protects against theft and damage while the bike is stored. Do not cancel the policy entirely. Maintaining continuous coverage history avoids future rate penalties and keeps discounts you have earned.
Standard motorcycle policies often sublimit accessories at $1,000–$3,000. If you have invested in custom exhaust, a paint job, saddlebags, audio, or other upgrades, those sublimits are inadequate. We add accessory coverage that reflects the actual value of your customizations.
Liability coverage protects you if an injured passenger sues you. Medical payments coverage pays their medical bills regardless of fault. Guest passenger liability provides additional protection for passenger injury claims. If you regularly carry a passenger, verify these coverages are in place and at adequate limits.
Yes. Agreed value coverage sets a fixed payout upfront that you receive in the event of a total loss — no depreciation, no negotiation. This is especially important for classic motorcycles, restored bikes, and heavily customized machines where actual cash value after depreciation does not reflect what you have invested.
Get Your Quote

Protect the ride. Protect the rider.

The right motorcycle policy is about more than satisfying the state minimum. It is about making sure you can absorb a real-world accident.

  • Multiple motorcycle carriers compared
  • UM/UIM coverage strongly recommended
  • Accessory coverage sized to your upgrades
  • MSF safety course discounts applied
  • Discounts for MSF course completion

Start your free quote

Fill out the form and an agent will be in touch within one business day.

We respond within one business day. No spam, ever.

The state minimum gives you a license plate. The right policy gives you real protection.

Most riders carry more coverage than the minimum — they just often do not realize what they are missing until they need to make a claim.

Featured Agent
Erik Roti

Erik Roti

Personal Lines Agent

I work with a lot of riders across the southwest metro and the coverage conversation is almost always the same — the minimum liability is not enough, UM/UIM is the most important thing to add, and if you have done any customization the accessory sublimit on a standard policy will leave you short after a theft. I also look at every available discount — MSF course completion, multi-policy bundling, and anti-theft devices — so you are not leaving money on the table.

(952) 392-9508erik@options-insurance.comoptions-insurance.com
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Last updated: April 7, 2026