Minnesota Motorcycle Insurance

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According to the Minnesota Office of Traffic Safety all motorcyclists must have liability insurance and carry proof of insurance coverage at all times while riding. If you are unable to provide that proof, you will be ticketed, facing fines and a license suspension. Minnesota does not accept any other form of financial responsibility for motorcycle coverage.

Additionally, Minnesota is a no-fault motorist insurance state. Many no-fault states require the purchase of personal injury protection (PIP) coverage, but Minnesota does not. On the other hand, the state does require an uninsured/under-insured motorist policy. Insurance laws and requirements can be confusing so let’s have a look at how the state defines a motorcycle for law enforcement and insurance purposes, some of the required equipment to make your bike street legal, as well as the motorcycle insurance coverage levels and types you may need.

Street-Legal Motorcycle Requirements for Minnesota Riders

According to legislation in Minnesota a motorcycle is…

“A motor vehicle with a seat or saddle for the use of the rider; is designed to travel on not more than 3 wheels in contact with the ground; includes motor scooters and bicycles with motor attached; is propelled by an electric or a liquid fuel motor of a piston displacement capacity of 50 cc or more; exceeds 2 brake horsepower; and can reach a speed in excess of 30 MPH on a flat surface with not more than one percent grade in any direction when the motor is engaged.”

That just about covers anything fun to ride!

The North Star State is a beautiful, open place to ride. Open country with the wind in your face can make you forget your troubles and the world around you. Unfortunately, if the police pull you over and your bike is not street legal, the troubles of the world will come back into focus quickly. In Minnesota, you and your bike must have the following equipment to meet the requirements to be considered street legal:

  • Eye protection: required for all riders.
  • Handlebar height: no restrictions.
  • Helmet: required for all riders and passengers, including those in sidecars.
  • Mirrors: only one is required.
  • Turn Signals: not required.
  • Passenger Seat and Passenger Footrests: required if carrying a passenger. No restrictions on a passenger’s age.
  • Headlight: required and must be on at all times; a modulating daytime headlight can be used.
  • Muffler: required and modifications allowed; maximum A-weighted sound level ranges from 80-90dBA measured at 50 feet.
  • Safety Inspection: periodic inspections required and done randomly.

Minnesota Minimum Motorcycle Insurance

Minnesota statutes requires that riders have a liability policy with these minimum limits:

  • $30,000 for death or bodily injury to one person
  • $60,000 for death or bodily injury to two or more persons
  • $10,000 for damage or destruction of property

The uninsured/under-insured motorist policy must be $30,000 for death or bodily injury to one person and $60,000 for death or bodily injury to two or more persons.

Recommended Coverage for Minnesota Riders

The basic coverage required in Minnesota are better than those in some states, but still fall short. That is why you should always carry additional coverage.

Collision coverage: this protects your bike in an accident under nearly every circumstance. It may or may not include uninsured/under-insured coverage. If it doesn’t, take care to add it.

Uninsured/Under-insured motorist coverage: Minnesota requires this coverage because approximately 11 percent of the drivers in the state are uninsured at any given time.

Personal injury protection (PIP) may be wise to fully protect yourself in a no fault insurance state. PIP can cover medical expenses, lost wages, and other damages.

Comprehensive coverage: this protection covers items like fire, wind, water, theft, and vandalism.

Bodily injury coverage: this protection covers certain costs if you injure or kill someone in an at-fault accident. Notably, it also protects your passenger and covers you if the other driver opted out of no fault coverage.

Medical payment coverage: this covers items such as prescription drug payments; dental care; medical co-payments and deductibles from other health coverage policies; home nursing care, or funeral expenses.

If you ride a custom bike, you should consider additional coverage.

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