Motorcycle Insurance in Minnesota

Riding in Minnesota offers a unique mix of urban streets, scenic country roads, and winding lakeside routes. With such diverse terrain, having reliable motorcycle insurance is essential. GEICO provides Minnesota riders with flexible coverage options, competitive rates, and easy-to-use digital tools, helping you manage your policy and ride confidently across the North Star State.

Is Motorcycle Insurance Required in Minnesota?

Motorcycle insurance is mandatory for anyone riding in Minnesota. You must have proof of coverage when registering your motorcycle with the Minnesota Department of Public Safety. Riding without insurance can result in fines, license suspension, or impoundment of your bike. GEICO helps you meet state requirements while offering coverage options tailored to your riding needs.

Minimum Motorcycle Insurance Coverage Requirements in Minnesota

Minnesota law sets minimum liability coverage requirements for motorcycles. These protections ensure that other people and property are financially protected if you’re at fault in an accident.

Coverage Type What It Covers Minnesota Minimum Limits
Bodily Injury Liability Injuries to others in an accident $30,000 per person / $60,000 per accident
Property Damage Liability Property damage you cause $10,000 per accident

However, many riders choose higher limits to provide extra security against medical or property expenses that exceed state minimums.

Optional Motorcycle Insurance Coverages in Minnesota

State-mandated coverage is a great place to start, but it doesn’t address every situation you might face on or off the road. Many bikers choose to add coverages like the following to their Minnesota motorcycle insurance for additional protection:

  • Collision Coverage: Helps pay for repairs to your motorcycle if it’s damaged in an accident with another vehicle or object, regardless of fault.
  • Comprehensive Coverage: Protects against non-collision losses, such as theft, fire, vandalism, or storm damage.
  • Emergency Roadside Service: Assists with towing, tire change, or other roadside emergency needs, and may help cover lodging or meal expenses if your trip is disrupted.
  • Custom Parts or Equipment Coverage: Protects custom upgrades and aftermarket equipment on your bike up to $2,000.

How Much Does Motorcycle Insurance Cost in Minnesota?

Your Minnesota motorcycle insurance premium depends on several factors, like your riding history, the type of motorcycle you own, and how often and where you ride. Premiums are also influenced by the coverage limits and optional protections you choose. Location can play a role as well, because risks differ between busy city streets and rural highways.

Discounts on Motorcycle Insurance in Minnesota

Looking for ways to save on coverage? Minnesota motorcyclists can reduce premiums through several GEICO discounts, including:

  • Motorcycle policy transfer: Earn a discount when you transfer your motorcycle insurance to GEICO.
  • Multiple motorcycles: Lower your premium by insuring multiple motorcycles with GEICO
  • Mature riders: Get rewarded for years of experience driving a motorcycle.
  • Insurance renewal: You may be eligible for a discount when you renew your motorcycle insurance with GEICO.
  • Safety course: Pick up safe driving tips and reduced rates for completing a Motorcycle Safety Foundation Course.
  • Instructors: Current Motorcycle Safety Foundation instructors may qualify for a discount on coverage.

Why Choose GEICO for Motorcycle Insurance in Minnesota?

Minnesota riders trust GEICO for affordable rates, flexible coverage, and excellent customer support. Our online tools, like the GEICO mobile app, let you manage your policy anywhere, while our insurance specialists ensure you’re covered when you need it most. GEICO’s financial strength and fast claims process give peace of mind on every ride.

Get a Free Motorcycle Insurance Quote in Minnesota

Getting a free motorcycle insurance quote from GEICO is easy and fast. Compare options, understand both mandatory and optional coverages, and find the best plan for your Minnesota motorcycle. Evaluate your needs, consider add-ons like collision or accessory coverage, and use available discounts to save. Start your free GEICO quote today.

Motorcycle Insurance in Minnesota FAQs

  • Can I bundle motorcycle and auto insurance in Minnesota?

    Yes. GEICO allows Minnesota riders to bundle their motorcycle insurance with auto or other eligible policies. Bundling can simplify your coverage and may also qualify you for a multi-policy discount, helping you save on overall premiums.

  • Does Minnesota have a helmet law for motorcycle riders?

    Minnesota does not require all riders to wear helmets. Riders under 18, however, must wear a helmet, while adult riders can choose whether to wear one. Even if optional, wearing a helmet is strongly recommended for safety and may impact insurance rates with some providers.

  • Do I need a motorcycle license or endorsement in Minnesota?

    Yes. All riders must have a valid motorcycle endorsement or license to legally operate a motorcycle in Minnesota. You’ll need to pass written and skills tests unless you complete a state-approved Motorcycle Safety Program, which can sometimes waive the skills test.

  • Does taking a motorcycle safety course lower my insurance in Minnesota?

    Yes. Completing an approved Motorcycle Safety Foundation (MSF) course or a Minnesota state safety course can qualify you for a discount on your GEICO motorcycle insurance. It also improves riding skills, which may help reduce accident risk and lower premiums over time.