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Comprehensive Local Motorcycle Insurance Guide

Minnesota Motorcycle Insurance

Motorcycle Registrations in MN

^ There are 241,768 registered motorcycles in Minnesota, the 11th highest number in the nation. [1]

Motorcycle Insurance in MN by City

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Motorcycle Insurance Providers in Minnesota

MN Motorcycle Insurance

MN Motorcycle Insurance in Minnesota

Motorcycle Insurance Coverage Requirements in Minnesota

  • Minimum Liability Limits in MN: 30/60/10 [2]
    • 30  Required coverage up to $30,000 for one individual injured in an accident
    • 60  Required coverage up to $60,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident

  • Insurer Verification of Insurance in MN [2]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurer must verify randomly selected insurance policies upon request.

Minnesota Motorcycle Insurance Liability Requirements

Required Motorcycle Insurance Coverage in Minnesota

Mandatory motorcycle insurance coverage for riders in the state of Minnesota.

  • Motorcycle Insurance Requirements in MN [2]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Personal injury protection coverage

Motorcycle Helmet Laws in Minnesota

    • Motorcycle helmets required for 17 and younger. [3]

Motorcycle Insurance Laws & Regulations in Minnesota

Motorcycle License Regulations in Minnesota [4]

Detailed information about Minnesota laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

Motorcycle License Regulations in Minnesota
  • Motorcycle License Laws in MN
    • No person can operate a motorcycle or motor scooter on any street or highway without having a valid standard driver's license with a 2-wheeled endorsement.
    • A 2-wheeled endorsement will be issued if the applicant has a valid 2-wheeled vehicle instruction permit and has passed a written examination and road test administered by the Department.
    • If the applicant is under age 18, he or she must also successfully complete an approved 2-wheeled vehicle driver safety course.
    • The Department can issue a 2-wheeled vehicle instruction permit to any person over 16 years of age who is in possession of a valid driver's license, is enrolled in an approved 2-wheeled vehicle driver's safety course (if under age 18), has passed a written examination for the permit, and has paid all necessary fees.

Motorcycle Equipment Laws in Minnesota [4]

Various regulations and laws in Minnesota regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

  • Motorcycle Equipment Laws in MN
    • Anyone under the age of 18 riding a motorcycle and all operators of motorcycles with instructional permits must wear protective headgear.
    • All motorcycle operators must wear protective eye wear.
    • Any motorcycle with a seat designed or suited for use by a passenger must be equipped with foot rests for the passenger, reachable by both feet.
    • Every motorcycle must be equipped with at least 1 properly adjusted rear view mirror that is adjusted to reflect to the operator a view of the roadway for a distance of at least 200 feet.
    • An operator of a motorcycle must ride on a permanent and regular seat.

Rider & Driver Facts in Minnesota

Rider & Driver Facts in Minnesota

Minnesota Motorcycle Registrations

  • Registered Riders in MN [1]
    • In 2012, Minnesota totaled 241,768 motorcycles registrations.
    • This number ranks 11th in the United States by state (including Washington, D.C.).
    • Note: MN ranked 20th in the nation in total auto registrations (all vehicle types) in 2011.

Minnesota Highway Facts

  • Speed Limits in MN [3]
    • Rural interstates: 70 mph
    • Urban interstates: 65 mph
    • Other roads: 55 mph
  • Consumption of Motor Fuel in MN [5]
    • Minnesota ranked 23rd in the U.S. in 2011 in total motor fuel consumption.

Minnesota Accident Reporting Regulations

  • Accident Reporting in MN [4]
    • Crashes are required to be reported in cases of death, injury, or when property damage exceeds $1000.
    • The deadline to file a report is 10 days.

Additional information about Minnesota

About Minnesota

Minnesota as a whole has an approximate population of 5,303,925, which ranks 21st in the nation. [6]

MN Motorcycle Insurance

MN Motorcycle Insurance

To learn more about Motorcycle Insurance in Minnesota, or for additional resources related to Minnesota Motorcycle Insurance, visit the Minnesota Department of Insurance.

Did you know?

In 2013, 88,000 motorcyclists were injured, down 5.4% from 93,000 in 2012 (Insurance Information Institute)

Minnesota Cities


1. ^ Federal Highway Administration

2. ^ Property Casualty Insurers Association of America (PCIAA)

3. ^ Insurance Institute for Highway Safety (IIHS)

4. ^ AAA Digest of Motor Laws and/or Minnesota DOT

5. ^ U.S. Department of Transportation

6. ^ United States Census Bureau (2010)