Minnesota Motorcycle Insurance

Why Get Motorcycle Insurance in Minnesota
Minnesota is one of the few states in the country referred to as “No-Fault” state. Under the “No-Fault” insurance system, no matter who is found at-fault for the collision, your insurance company will pay for your medical expenses. In terms of No-Fault insurance, motorcycles in Minnesota are not classified as motor vehicles. However, if you purchase car insurance in Minnesota you automatically have No-Fault coverage. But if you purchase only motorcycle insurance it will be strictly be liability coverage. No-fault coverage for your motorcycle is entirely optional. This is one reason why motorcycle insurance is generally cheaper than car insurance.

Motorcycle Riding in Minnesota
A two or three-wheeled motor vehicle with a seat or saddle for the rider which touches the ground when traveling is considered a motorcycle in Minnesota. This definition also includes motor scooters and even bicycles with attached motor engines.All applicants must pass the Department of Vehicle Safety examination prior to obtaining a motorcycle license endorsement. If the rider is younger than 18 years old, he or she must first complete the Minnesota Motorcycle Safety Center Basic Rider Course.

Motorcycle License Requirements

  • Valid Minnesota driver’s license
  • Payment of $21 fee
  • Safety Exam
  • Knowledge and Skills test
  • Skills test

A rider who is 18 years or older may waive the basic rider course if he/she fulfills the following:

  1. Skills test waiver
  2. Third party Test waiver

Minimum Insurance Requirements in Minnesota
In order to operate a motorcycle legally in Minnesota, the state law requires all motorcycle owners to purchase traditional liability insurance with at least these minimum coverage amounts:

  • $30,000 for bodily injury of one person
  • $60,000 for bodily injury of all injured parties
  • $10,000 for property damage in one accident

It is expected that drivers must be able to show evidence of financial responsibility at all times.