Minnesota motorcycle insurance

What are the minimum requirements for motorcycle insurance in Minnesota?

Minnesota motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries and property damage you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, to more fully protect your assets. It's important to note that these coverages don't cover damage to your own bike.

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are both optional unless you're financing or leasing your motorcycle. In those cases, your lender may require comprehensive and collision coverage. If your bike is paid in full, you may consider comprehensive and collision coverages as a safeguard against physical damage to your motorcycle. Comprehensive may cover your bike against events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Minnesota?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Minnesota with liability coverage only was $145.89.^* Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

What's the best motorcycle insurance in Minnesota?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in the Twin Cities, Duluth, Moorhead, or anywhere else in the Land of 10,000 Lakes, the best motorcycle insurance offers dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Minnesota for bikers without eliminating the valuable protection that you count on to ride with peace of mind.

You can lower the cost of motorcycle insurance in Minnesota with motorcycle insurance discounts, such as:

• Multi-policy discount
• Association membership discount
• Motorcycle license/endorsement discount
• Safety course discount
• Responsible driver discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Minnesota

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

• Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
• Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
• Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
• Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
• Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
• Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Minnesota

1. The Minnesota Office of Traffic Safety states that to legally operate a motorcycle, you must supplement your driver's license with a motorcycle license endorsement.
2. All motorcycle operators and passengers in Minnesota under the age of 18 must wear a helmet.
3. Lane splitting or lane filtering is legal in the state of Minnesota. They are now the sixth state to legalize lane filtering.

Get Minnesota motorcycle insurance