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Deluxe Insurance Group

4515 E Superior St
Duluth, MN 55804

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Is motorcycle insurance required to ride my motorcycle in Minnesota?

There are a few states that don’t require motorcycle owners to carry insurance. Aside from Florida, New Hampshire, Washington, and Montana,  Duluth, MN riders must carry motorcycle insurance to legally operate a motorcycle in the state of Minnesota. Motorcycle riders must carry both bodily injury and property damage insurance to legally ride within the state. 

Minnesota Motorcycle Insurance Requirements

Anyone who owns or operates a motorcycle must purchase motorcycle insurance that meets the state minimum requirements before registering their bike. Proof of insurance coverage must be carried at all times when operating your motorcycle. Minnesota motorcyclists carry $30K in bodily injury coverage per person and $60K per accident. Also, motorcycle owners/operators are required to carry $10K in property damage liability. However, you may be required to carry more insurance if you are financing your motorcycle. Often, your lender or leasing company will require full coverage if you are financing your motorcycle. In situations like this, full coverage isn’t required by law, but by a lender. 

Circumstances that Require More Than the Minimum Insurance Coverage…

A bank, credit union, or leasing agency may require you to carry collision and comprehensive coverage while you are financing your motorcycle to cover possible physical damage, vandalism, or loss due to some other unexpected incident. In some situations, collision and comprehensive insurance will cover the replacement of your motorcycle, if needed. Although not required, underinsured/uninsured insurance may be purchased to cover damage from an uninsured motorist or underinsured motorist. If you have additional questions regarding motorcycle insurance, give us a call. Our team at Deluxe Insurance Group (Duluth) is standing by to help Duluth, MN motorcycle owners get the answers they need.

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