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The motorcycle insurance coverage Minnesota residents need

On Behalf of | May 1, 2023 | Motorcycle Accidents |

Motorcycle riders in Minnesota must carry motorcycle insurance with liability coverage. If you drive a motorcycle, it is important to make sure your insurance meets the basic requirements.


The state has a 30/60/10 standard. This means that your liability coverage for bodily injury and property damage needs to meet a minimum of $30,000 for bodily injury liability per person, $60,000 per accident, and $10,000 in property damage coverage.

The state’s motorcycle drivers must also have a policy that includes uninsured motorist coverage, underinsured motorist coverage, and personal injury protection.

Liability coverage means that the insurance company pays for third-party bodily injury claims or property damage claims in the event that you are at fault for a motorcycle accident.

In most cases, insurance companies selling to Minnesota residents know that they should offer motorcycle insurance coverage that meets the state’s requirements. However, it is much better to check your policy yourself to be sure. You do not want to find out too late that you purchased insurance that doesn’t meet the legal requirement.

These policies will meet the state minimum requirements. You may decide to get coverage that goes over these limits. Motorcycle accidents can lead to severe injuries. While that hopefully doesn’t happen, having a policy you feel good about will give you peace of mind.

Average costs

Motorcycle insurance costs change frequently. Like with car insurance, the amount varies depending on your driving history and vehicle. On average, Minnesota residents pay $224 a year for full coverage. A policy that meets the minimum liability requirements typically costs an average of $85 per year.

Motorcycle insurance is a state requirement. It can also help you if the worst happens or you’re involved in an accident. Ensure you know what your policy covers and that it meets the legal requirements before purchasing coverage.