Motorcycle Insurance
Ride Protected on Every Adventure in Faribault, MN
Choosing the Best Motorcycle Insurance Coverage
Owning a motorcycle means freedom on the open road—but it also comes with unique risks that standard auto insurance can’t cover. Motorcycle insurance helps protect you, your passengers, and your bike from unexpected accidents, liability claims, theft, and weather-related damages. Whether you’re a weekend cruiser or a daily rider, the right coverage ensures you can enjoy the ride with confidence, knowing you’re financially protected in any situation.
Why Motorcycle Insurance Matters
Motorcycle accidents are often more severe than auto accidents due to limited physical protection. Having robust motorcycle insurance offers financial peace of mind in the event of:
- Collisions with other vehicles
- Uninsured or underinsured drivers
- Vandalism or theft
- Medical payments after an accident
- Damage from fire, weather, or falling objects
Motorcycle Coverage Options
We’ll help you tailor a policy that includes:
- Liability Coverage – Pays for injuries or property damage if you’re at fault in an accident.
- Collision Coverage – Covers repairs to your motorcycle after a crash.
- Comprehensive Coverage – Protects against non-collision incidents like theft, fire, and natural disasters.
- Uninsured/Underinsured Motorist Protection – Covers your expenses when the at-fault party doesn’t have enough coverage.
- Medical Payments – Helps with medical bills for you or your passenger, regardless of fault.
- Custom Parts & Equipment – Extra protection for customizations, gear, and accessories.
Tip: Many riders don’t realize custom paint jobs, chrome upgrades, or aftermarket parts may not be covered by a basic policy. Be sure to let us know what’s on your bike!
Check out our Insurance 101 Learning Center for tips and advice on things like:
- A Guide to Motorcycle Insurance in Minnesota
- Why Insurance Telematics may be right for you
- Auto insurance claims process in Minnesota
- How driving records affect insurance premiums
- Minnesota’s No-Fault Insurance System
Motorcycle Insurance FAQs
1. Is motorcycle insurance required in Minnesota?
Yes, Minnesota requires motorcycle riders to carry liability insurance. This includes bodily injury and property damage coverage. However, optional coverages like collision or comprehensive are not mandated but are highly recommended to protect your bike.
2. How much does motorcycle insurance cost in Minnesota?
Rates can vary based on factors like your age, riding experience, location, bike type, and coverage levels. In general, Minnesota riders can expect to pay between $150–$600 per year. Bundling your motorcycle policy with auto or home insurance often reduces costs.
3. Can I pause my motorcycle insurance during the winter?
Yes, some insurers offer seasonal lay-up policies that reduce your premium while your bike is stored during colder months. However, it’s important to maintain comprehensive coverage year-round to protect against theft or off-season damage.
4. Does motorcycle insurance cover passengers?
Passenger coverage isn’t always included in basic motorcycle insurance. You may need to add guest passenger liability to your policy to ensure your passenger’s medical bills are covered in an accident. Ask your agent to confirm you have the right protection.
5. What if I have custom parts or upgrades on my bike?
Standard policies usually limit coverage for custom parts. If you’ve added aftermarket exhausts, paintwork, chrome detailing, or performance upgrades, you’ll need to add custom parts and equipment (CPE) coverage to fully protect those investments.
Motorcycle Insurance Carriers
