Motorcycle Insurance · Minnesota
Minnesota has a short riding season — but that doesn't mean your coverage should be short on protection. Whether you ride a cruiser, sport bike, touring bike, or adventure bike, we'll find you the right policy from a carrier that specializes in motorcycle coverage.
What's Covered
Minnesota has a short riding season — but that doesn't mean your coverage should be short on protection. Whether you ride a cruiser, sport bike, touring bike, or adventure bike, we'll find you the right policy from a carrier that specializes in motorcycle coverage.
Required in Minnesota. Covers bodily injury and property damage you cause to others while riding. State minimums apply, but we typically recommend higher limits for most riders.
Pays to repair or replace your bike after a collision with another vehicle or object, regardless of fault. Often required if your bike is financed.
Covers theft, fire, storm damage, vandalism, and hitting an animal. Motorcycles are stolen at higher rates than cars — comprehensive is especially valuable in metro areas.
Protects you if an at-fault driver doesn't carry enough insurance to cover your injuries or bike damage. Critical for riders, who are more vulnerable in any collision.
Pays medical expenses for you and your passenger after an accident, regardless of fault. Minnesota's no-fault law applies to motorcycles in some circumstances — we'll make sure you understand your coverage.
If you've added a custom exhaust, upgraded electronics, or aftermarket accessories, standard coverage may not fully cover them. A custom parts endorsement protects your investment.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
Not every carrier writes this coverage well. We work with specialty markets that understand your situation — and price it accurately.
We compare across multiple A-rated carriers to find coverage that fits your situation, not a one-size-fits-all policy.
From your first quote through every renewal, you work with the same licensed Minnesota producer — not a different rep each time.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
Yes. Minnesota requires liability coverage and uninsured motorist coverage for all registered motorcycles. Riding without insurance risks fines, license suspension, and personal financial liability.
You can reduce or remove certain coverages during storage — but keeping comprehensive coverage year-round protects you against theft, fire, and weather damage while the bike is parked. Suspending liability requires turning in your plates.
Liability coverage protects passengers if you're at fault in an accident. Medical payments coverage can also pay for passenger injuries. Some policies have specific passenger liability endorsements for added protection.
No. Auto policies specifically exclude motorcycles. You need a separate motorcycle policy. If you own multiple bikes, most carriers can write them on one policy.
