Motorcycle Insurance in Minnesota - Compare Quotes & Save
Riding across the Twin Cities, along the North Shore, or through the Iron Range requires coverage designed for variable weather, wildlife, and rural roads. We’ll set the right liability, UM/UIM, and Medical Payments, protect your bike with comprehensive & collision, and schedule accessories - all while unlocking real rider discounts.
Minnesota Requirements (What You Must Know)
Minimum Liability
Current MN minimums are $30,000 per person / $60,000 per accident for bodily injury and $10,000 for property damage. We’ll quote higher limits that better fit Minnesota’s mix of urban, highway, and seasonal riding exposure.
No Fault PIP on Motorcycles
Minnesota’s no-fault Personal Injury Protection (PIP) does not apply to motorcycles. Add Medical Payments (MedPay) coverage to help pay for injuries regardless of fault.
Helmet Law
Minnesota has a partial helmet law. Riders under age 18 must wear a DOT-approved helmet. Eye protection is required for all riders. We recommend helmets for all riders for safety and potential insurance discounts.
Registration & Equipment
All motorcycles must be titled and registered with the MN DNR or DMV. Lane splitting is not permitted in Minnesota. Keep your motorcycle in safe operating condition to avoid equipment violations.
This is a summary. Your policy controls. We’ll review carrier forms and endorsements with you before binding.
Build the Right Coverage for Minnesota Riding
Liability (BI/PD)
- Start at $100k/$300k or $250k/$500k BI for better protection
- Property Damage: $25k-$100k common for MN roads
UM/UIM
- Match to your BI limits to protect you from underinsured drivers
- Stacking options vary by carrier
Medical Payments
- Helps with medical bills regardless of fault
- Popular limits: $5k-$25k
Comprehensive & Collision
- Theft, vandalism, deer strikes, hail, crash damage
- Choose deductibles that fit your cash cushion
Custom Parts / Accessories
- Most policies include a small amount automatically (e.g., $1,000)
- Schedule added value for saddlebags, fairings, crash bars, lighting, audio systems
Roadside & Trip Interruption
- Towing, flat repairs, battery service - peace of mind on rural highways
- Hotel/meals after a covered breakdown or claim (carrier-specific)
Safety pays: Completing an MSF Basic RiderCourse can qualify you for significant discounts while improving your skills on Minnesota’s changing road conditions.
Minnesota Riding Realities (and How We Insure Around Them)
- Seasonal riding & weather: Short riding season and harsh winters mean higher comprehensive for off-season storage and hail/deer risks. Consider lower deductibles if you ride spring through fall.
- Wildlife collisions: Deer, moose, and other animals are a major hazard on rural roads. Higher comprehensive coverage helps protect against animal strikes.
- Urban vs rural exposure: Twin Cities traffic, highway speeds on I-35/I-94, and remote North Shore routes all require strong liability, UM/UIM, and roadside assistance.
Getting Your Minnesota Motorcycle Endorsement
Course Path (Recommended)
- Enroll in an approved Minnesota Motorcycle Safety Foundation (MSF) Basic RiderCourse
- Pass the course; receive completion certificate
- Present certificate at Driver and Vehicle Services (DVS) to add the M endorsement (often waives the skills test)
Permit + Testing Path
- Obtain a motorcycle instruction permit (written knowledge test + vision screening)
- Practice under permit restrictions
- Pass the DVS road skills test; add M endorsement
Bike Size & Restrictions
Testing on a very small-displacement motorcycle may result in a restriction. Completing an approved MSF course typically removes this restriction - ask us if you’re unsure.
What Our Customers Are Saying
What Minnesota Riders Typically Choose
| Coverage | Common Choices | Notes |
|---|---|---|
| BI/PD Liability | $100k/$300k/$25k or $250k/$500k/$50k | Higher limits recommended for metro, highway, and multi-vehicle claims |
| UM/UIM | Match BI | Protects you from underinsured Minnesota drivers |
| Medical Payments | $5k-$25k | Critical since PIP does not apply to motorcycles |
| Comp/Collision | $250-$1,000 deductibles | Lower deductibles helpful for deer, hail, and seasonal riding |
| Accessories | $3k-$10k+ | Document custom parts with photos and receipts |
| Roadside | Included or add-on | Towing and trip interruption especially valuable in rural areas |
Get a Fast Motorcycle Insurance Quote
Answer a few questions about your bike, riding habits, and gear. We’ll compare carriers side-by-side, match UM/UIM to your BI, and schedule accessories so you’re fully covered.
Get Your Motorcycle Insurance Quote in Minnesota
Prefer to talk? Call or text: 833-586-3264.
Motorcycle Insurance FAQ - Minnesota
Is lane splitting legal in Minnesota?
No. Lane splitting (or filtering) is not permitted in Minnesota. Riders may be cited under general traffic laws.
Do motorcycles get PIP benefits in Minnesota?
No. Minnesota’s no-fault PIP coverage does not apply to motorcycles. Medical Payments coverage is strongly recommended.
What are the current Minnesota minimum motorcycle insurance limits?
30/60/10 - $30,000 per person / $60,000 per accident bodily injury and $10,000 property damage. Higher limits are strongly recommended for most riders.
Do I need a helmet in Minnesota?
Riders under 18 are required to wear a DOT-approved helmet. Eye protection is required for all riders. Helmets are recommended for everyone and may qualify you for insurance discounts.
Does Minnesota require motorcycle inspections?
Minnesota does not require annual safety inspections for motorcycles. However, your bike must be kept in safe, roadworthy condition at all times.
Will MSF training lower my motorcycle insurance premium?
Yes. Completing an approved Motorcycle Safety Foundation (MSF) course often qualifies riders for premium discounts with many Minnesota insurers.
