Motorcycle Insurance in Minnesota
Motorcycle Insurance in Minnesota for Riders, Built Around a Short Riding Season
Nelson Insurance Services is an independent local agency in Prior Lake, MN. We help riders across Scott County & throughout Minnesota get coverage that fits Minnesota’s rules, our short riding season, and the real gap most bikers don’t know they have.
Call 952-469-0412 for a free quote on motorcycle insurance in Minnesota
What Minnesota Actually Requires from Motorcycle Riders
Unlike in some states, motorcycle insurance in Minnesota is required. To legally register and ride, you need liability coverage of at least 30/60/10 — $30,000 per person and $60,000 per accident for bodily injury, plus $10,000 for property damage — along with uninsured and underinsured motorist coverage, under Minn. Stat. §§ 65B.48–65B.49. Proof of insurance must always be carried on you when you ride.
Here’s what many riders don’t realize: Minnesota’s no-fault Personal Injury Protection (PIP) system specifically excludes motorcycles. Under Minn. Stat. § 65B.43, subd. 2, the No-Fault Act defines “motor vehicle” as a vehicle with four or more wheels, which leaves motorcycles out entirely. Car and truck drivers get automatic no-fault medical coverage; motorcyclists do not.
That makes uninsured/underinsured motorist coverage and optional medical payments coverage far more important on two wheels than they are on four. Get a quote on motorcycle insurance in Minnesota or contact us to walk through what that gap means for your specific coverage.
The Nelson Coverage Ride — From Parked to Open Road
Motorcycle insurance in Minnesota is built in stages, like a ride. Here’s how the three common levels compare for Minnesota riders.
Parked — State Minimum
30/60/10 liability plus required UM/UIM. Legal to ride, but with no PIP safety net, a serious injury accident can leave your own medical bills entirely uncovered beyond what UM/UIM provides.
Cruising — Standard Coverage
Liability, UM/UIM, plus collision and comprehensive coverage for the bike itself, along with medical payments coverage. The most common setup for Prior Lake area riders who want their bike protected, not just their liability.
Open Road — Complete Protection
Higher liability limits, custom parts & equipment coverage for aftermarket work, roadside assistance, and seasonal lay-up coverage for Minnesota’s long off-season. Built for riders who’ve put real money into their bike and gear.
The Types of Motorcyle Insurance in Minnesota that Riders Ask About Most
Every policy combines these building blocks. We’ll help you decide which ones make sense for your bike, how you ride, and your budget.
Liability Coverage
Pays for injuries or property damage you cause to others. Minnesota requires 30/60/10 at minimum, though higher limits are widely recommended given the lack of PIP.
Uninsured / Underinsured Motorist Coverage
Required in Minnesota, and arguably more important for riders than drivers, since motorcyclists have no automatic no-fault medical coverage to fall back on.
Collision & Comprehensive Coverage
Repairs or replaces your bike after a crash, theft, fire, or weather event. Comprehensive coverage is especially relevant given Minnesota’s deer and gravel-road risks.
Medical Payments Coverage
Covers medical expenses for you and a passenger after an accident, filling the gap left by the absence of required PIP for motorcycles.
Custom Parts & Equipment Coverage
Covers aftermarket exhausts, custom paint, saddlebags, and other upgrades that a standard policy typically won’t fully reimburse.
Seasonal Storage / Lay-Up Coverage
Reduces your premium while your bike is off the road for Minnesota’s winter, while still protecting it against theft and damage in storage.
Motorcycle Insurance in Minnesota - Why Minnesota Riders Choose Us
We’re not tied to a single carrier. We compare rates and coverage across multiple Minnesota-licensed insurers to find the combination that actually fits your bike and how you ride.
- We shop it for you — one conversation, multiple quotes, no repeating your information to five different call centers.
- We understand the PIP gap — and make sure you know exactly what is and isn’t covered before you’re relying on it.
- We’re local — based in Prior Lake, serving Scott County riders who know the same backroads, deer crossings, and short summers we do.
- We handle the off-season — including seasonal storage adjustments so you’re not paying full price for a bike sitting in the garage.
Common Ways Riders Save on Motorcycle Insurance in Minnesota
Ask about these when you call — most riders qualify for at least one or two.
- Motorcycle safety course completion — many carriers discount policies for a completed rider safety course, including those offered through the Minnesota Motorcycle Safety Center.
- Multi-policy bundling — combine your motorcycle with auto or homeowners’ insurance.
- Mature rider discount — often available for experienced riders over a certain age.
- Garaged / anti-theft equipment — discounts for bikes stored in a garage or fitted with anti-theft devices.
Proudly Serving Riders Across Prior Lake, Savage, Scott County and across Minnesota.
Prior Lake · Savage · Shakopee · Lakeville · Elko New Market · Credit River · Scott County, MN
Get a Real Quote on Motorcycle Insurance in Minnesota from a Real Local Agent
No spam, no runaround — just a straightforward conversation about what coverage makes sense for your bike, your riding season, and your budget.
Nelson Insurance Services · 952-469-0412 · Prior Lake, MN
Independent insurance agency serving Prior Lake, Savage, Shakopee, Lakeville, Scott County, and Minnesota. Auto, home, boat, motorcycle, and business insurance coverage from multiple carriers, chosen to fit you.
FAQ
Yes. Minnesota requires every motorcycle to carry at least 30/60/10 liability insurance under Minn. Stat. § 65B.49 to be legally registered and ridden. You must carry proof of insurance with you any time you’re on the bike.
Not automatically. Minnesota’s no-fault Personal Injury Protection system, which covers drivers’ medical bills regardless of fault, does not apply to motorcycles under Minn. Stat. § 65B.43. As a result, uninsured/underinsured motorist coverage and optional medical payments coverage are important additions for riders.
For many riders, no. The 30/60/10 minimum can be quickly exceeded in a serious accident, and because motorcycles don’t have PIP as a backup, riders are often more exposed than drivers with the same minimum coverage. Higher liability limits and full UM/UIM coverage are widely recommended.
Often, yes. Many carriers offer seasonal lay-up or storage coverage that reduces your premium while the bike isn’t being ridden, and most also offer discounts for riders who’ve completed a recognized motorcycle safety course, such as those listed by the Minnesota Motorcycle Safety Center.
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