minnesota motorcycle insurance

From Prince to Bob Dylan, Minnesota has long been known for motorcyclists riding in style. Thankfully, Esurance lets you carry this tradition into the modern world (but the purple blouse is your call).

With affordable rates and savvy coverage options that perfectly fit your bike and lifestyle, our motorcycle insurance helps protect riders in the Land of 10,000 Lakes no matter what the open road has in store. Start your free quote today to customize coverages, limits, and deductibles and make sure you're getting the most bang for your buck.

what our customers say


My last insurance company was so complicated. I love how easy and accessible Esurance is. I can print what I need when I need it, and the customer service is the best I've ever experienced.

— Paul, Florida


I filed a claim online and was called within 30 minutes. My rep was very helpful and informative — but most of all she was human. It made an odd situation easy to work through.

— Jordan, Massachusetts


You guys get it and you rock! I love dealing with efficient companies without all of the red tape and corporate stuffiness! Thank you Esurance for being awesome and providing a good service.

— Kristoffer, South Carolina

minnesota motorcycle insurance discounts

What washes away your troubles faster than a purifying dip in Lake Minnetonka? Scoring these motorcycle insurance discounts!

Responsible Driver discount

Minnesotans who have 2-plus years of riding experience and have gone at least 36 months incident-free stand to save big. And since the North Star State is one of the safest per capita for riders, staying out of harm's way on your hog practically comes naturally.

Multi-Policy discount

Already have Minnesota car insurance with us? Buying motorcycle coverage means you can manage both policies in one handy place — and save up to 5 percent on each too.

Safety Course discount

We reward Minnesotans who've taken an approved motorcycle safety course within the last 3 years with a welcome discount.

More discount options

And there's more where that came from. We offer riders in Minnesota tons of other ways to save discounts, including the Residence Insurance discount, Paid-in-Full discount, Antilock Brakes discount, Association discount, Motorcycle Endorsement discount, Multi-Vehicle discount, Recovery Device discount, and the Switch and Save® discount.

required motorcycle insurance in minnesota

Minnesotans must carry liability insurance with at least the following limits:

  • $30,000 bodily injury liability coverage per person
  • $60,000 bodily injury liability coverage per incident
  • $10,000 property damage liability coverage per incident

Liability insurance helps cover others' injury or property damage costs if you ever cause an accident on your bike. Remember, the limits above are only the bare minimum necessary. You can always select higher limits for added financial protection and peace of mind.

optional coverages for your policy

These wide-ranging additional coverages we offer riders in your northern neck of the woods can really save the day if you ever need to file a claim.

Collision coverage

This helps repair your bike if you have an accident with other motorists or run into trees, signs, parked cars, or other hazards. Plus, you can get up to $500 to repair or replace a helmet damaged in a covered accident.

Comprehensive coverage

Comprehensive goes toward repairing or replacing your bike after non-collision incidents, like getting struck by falling debris, suffering vandalism, or having your bike stolen.

Medical payments coverage

Getting stuck with a flurry of injury bills can be a major concern for riders who've had an accident, especially those with less-than-ideal health insurance. With medical payments coverage, you'll have peace of mind knowing you and your passengers can get the help you need after an accident, so you can ride worry-free.

Enhanced injury protection

By adding medical payments coverage, you qualify for enhanced injury protection as well. This provides even more help when recovering from accidents, including income replacement in case injuries leave you temporarily unable to work.

Uninsured/underinsured motorist coverage

Nearly 1 out of every 7 drivers in the Gopher State is uninsured. With odds like that, it definitely pays to protect yourself and your savings. Thankfully, with UM/UIM coverage you can avoid unjust injury bills if you're struck by a driver with insufficient or nonexistent insurance.

Optional equipment coverage

For road warriors, equipment and accessories are as essential to riding as the bike itself. When you select collision and comprehensive coverages, you automatically get $3,000 in optional equipment coverage to protect things like saddlebags and engine modifications. You can even get funds for some fresh riding apparel if your current stuff is damaged in a collision.

Personal contents coverage

If items kept in your motorcycle, such as electronic devices or safety gear, are damaged or stolen, personal contents coverage can help repair or replace them.

You must have collision and comprehensive to add this coverage.

Transport trailer coverage

Use this coverage to get the repairs you need if your trailer is damaged while towing your bike or off-road vehicle.

Trip interruption coverage

If you have a covered incident or mechanical failure with your motorcycle over 100 miles from home, you can get:

  • $100 for lodging
  • $50 for alternate transportation
  • $50 for food

And you can get these each day until your bike is fixed ($500 limit).

other vehicles you can cover

With its abundance of freshly-powdered slopes, lush woodlands, and scenic lake trails, Minnesota is a haven not just for motorcycling — but all sorts of recreational riding. Luckily, Esurance lets Minnesotans cover many of their favorite toys, including:

  • Snowmobiles
  • ATVs
  • Golf carts
  • Scooters
  • Segways

Best of all, riders who add one or more of these vehicles to their motorcycle policy could qualify for the Multi-Vehicle discount (and saving money is a pretty satisfying hobby, too).

Related links

Minnesota car insurance
Check out Esurance car insurance and how it helps Minnesota motorists save.

4 supremely weird driving laws still in place today
Find out which Minnesota city has one of the strangest driving laws around (and where else things get weird in the U.S.).

Get a motorcycle insurance quote and see how much you can save.

Or call 1-866-455-1980.