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Deluxe Insurance Group

4515 E Superior St
Duluth, MN 55804

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Motorcycle Insurance in Minnesota


Owning a motorcycle can be exciting and economical. Many bike owners cite the money they save on gas high on their list of reasons for owning a motorcycle. Despite the perks, though, motorcycles do pose certain risk factors as well. Although knowledgeable bikers know how to ride safely, motorcycles can be a risky vehicle choice. At Deluxe Insurance Group, serving Duluth, MN, we are here to help motorcycle owners understand how they can best protect themselves with an excellent motorcycle insurance policy. Keep reading to find out what you need to know about motorcycle insurance in Minnesota.

Is Motorcycle Insurance Necessary?

In the state of Minnesota, it is required by law that all motorcycles have insurance if they are to be operated on the open roads. Motorcycle insurance is put in place to protect both you as the rider and other motorists on the road. As a bike operator, you are set at a different level of danger while riding. Even a simple accident could leave you with injuries because you do not have the same amount of physical protection around you as a person in a car would have.

What Will Motorcycle Insurance Cover?

Motorcycle insurance works very similar to auto insurance. In order to understand the differences between motorcycle and auto insurance, you should sit down with an insurance representative. Motorcycle insurance policies can be customized to meet your specific needs, but in general, the policy will cover the following areas.

  • Bodily Injury - This will pay for medical expenses that result from an accident.
  • Liability - This will pay for expenses that result from you causing damage to another person's vehicle or injuries caused to another person by you.
  • Comprehensive/Collision - This will pay for the repair or replacement of your bike should it be damaged or stolen.

If you would like to learn more about motorcycle insurance, please call our friendly staff today at Deluxe Insurance Group, serving Duluth, MN. We will be happy to answer your questions.

Partner Carriers


  • AAA
  • Acuity
  • Badger
  • Concord
  • Foremost
  • Grinnell
  • Kemper
  • Main Street America
  • MetLife
  • Nationwide
  • North Star
  • Progressive
  • Ram
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Woodland