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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.

Do Duluth Bikers Need Year-Round Motorcycle Insurance?

Winter is approaching, and for many bikers, this means it’s time to winterize and put up their motorcycles for the season. Not everyone enjoys cruising in the bitter cold on icy roads. A sensible person might ask whether I need to carry year-round insurance on my bike over winter. In short, yes. Let’s review some critical details about motorcycle insurance in Duluth, MN to help you make the best choice for your ride. 

It’s a Minnesota Requirement

At the very least, all motorcycles in Minnesota must carry liability protection, and this only covers property damage or bodily injury when you are at fault. Your bank or lien holder, should you have one, might also require you to carry collision and comprehensive to protect their interest. 

Additional Coverage Options

  • Collision – Covers damage to your bike
  • Comprehensive – Covers damage to your bike not originating from a crash – like weather events, theft, fire, and vandalism
  • Uninsured/underinsured motorist coverage – Covers damages not caused by you when the other driver does not have any or sufficient coverage
  • Customization – If you’ve invested in custom, aftermarket parts on your motorcycle, make sure your coverage is sufficient to repair or replace them if they are damaged. 
  • Lay-Up Policy – In some cases, you can acquire lay-up coverage while your bike is in storage for the winter months. This reduces your policy premiums but retains ongoing coverage for the risk you still maintain – comprehensive.

Saving Coin 

Aside from considering a lay-up policy, when available, remember that insurance companies sometimes extend discounts for continuous coverage. Meaning it may cost you more, in the long run, to drop coverage over the winter. In addition, you may be able to receive discounts for including multiple bikes on your policy, installing anti-theft devices, or taking safety courses. The best way to discover potential savings is to reach out to Deluxe Insurance Group (Duluth) today and ensure you have the best coverage for your coin.

Motorcycle Insurance Overview To Help Minnesota Residents Find Coverage

The Deluxe Insurance Group provides coverage to the local community. We strive to help all of our Duluth, MN clients find the policies they need to protect their assets. We offer custom policies to help our clients prepare for any situation. Providing excellent customer service is important to us.

Motorcycle Insurance Overview

Thousands of Duluth, MN residents enjoy riding their motorcycles through the state. As a motorcycle owner, you are aware of the high-risk nature of operating this powerful vehicle. That’s why motorcycle insurance is an asset.

Motorcycle insurance covers you while you are out on the open road. You can opt for collision coverage, which protects you if your motorcycle is damaged through impact with another vehicle or object. Comprehensive coverage protects you in multiple scenarios involving your motorcycle. You can have peace of mind if your motorcycle is stolen, vandalized, or damaged due to an incident with an object or natural disaster.

Liability coverage is a significant part of your policy. One accident can change everything. Liability coverage protects you if your motorcycle causes bodily harm or damages someone else’s property. Liability coverage also protects you if your passenger is injured while riding on the motorcycle with you. Liability coverage gives you stability if a disaster occurs.

Other Things To Consider

If you plan to add custom parts or accessories to your motorcycle in the future, you’ll have to amend your policy to stay fully covered if something goes wrong. If your motorcycle breaks down while you are on the road, you can add emergency roadside assistance. You will receive towing service and coverage if you need to find alternative transportation while your motorcycle is repaired.

Deluxe Insurance Group Will Help You Find Coverage

Visit our website to learn more information about motorcycle insurance.

Partner Carriers


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  • Progressive
  • Ram
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  • Woodland