# Minnesota motorcycle insurance for riders who know the roads.

Canonical page: https://www.roamly.com/states/motorcycle-insurance-minnesota

From the North Shore Scenic Drive on Highway 61 to the Great River Road along the Mississippi, Roamly works with carriers who understand how Minnesotans actually ride.

### Minnesota at a Glance

| **Requirement** | **Details** |
| --- | --- |
| **Minimum liability** | 30/60/10 ($30k bodily injury per person, $60k per accident, $10k property damage). Motorcycle policies only have to carry liability — PIP isn't required, and uninsured/underinsured motorist coverage is optional. |
| **Helmet law** | Required for operators and passengers under 18, and for anyone riding on an instruction permit. Every operator needs a face shield, goggles, or glasses — a windshield doesn't count. |
| **Lane splitting** | Legal since July 1, 2025, at 25 mph or less and no more than 15 mph faster than traffic. Not allowed in roundabouts, school zones, freeway on-ramps, or work zones narrowed to one lane. |
| **Registration** | As of September 2026, the motorcycle registration tax is a flat $10 a year (filing and plate fees are extra). No emissions testing and no safety inspection. |

*Requirements and regulations may change. Verify with the Minnesota Department of Commerce and the Minnesota Department of Public Safety Driver and Vehicle Services for the most current information.*

## What you need to know about Motorcycle Insurance in Minnesota

Minnesota is a no-fault state for cars, but not for motorcycles — your bike policy doesn't have to include PIP, and your car's PIP won't follow you onto the bike. Here's what actually shapes your policy.

**Minnesota's 30/60/10 Minimum**

The state requires $30k/$60k bodily injury and $10k property damage on a motorcycle — and that's all it requires. Uninsured and underinsured motorist coverage is optional on a bike, and Minnesota law doesn't require the UM/UIM on your car policy to cover you while you're on a motorcycle you own — so check yours. We'll help you figure out what makes sense for how you ride.

### Agreed Value for Custom Builds

Your Road Glide with the upgraded bags and custom paint isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.

### Peer-to-Peer Rental Coverage

Minnesota's riding season is short, and a bike can sit a long time between rides. Thinking about listing yours on a platform like Twisted Road or Riders Share? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.

### SR-22 Filing When Needed

Minnesota doesn't use the SR-22 name, but after an uninsured-driving violation you'll need your insurer to file a certificate of insurance with the Department of Public Safety before reinstatement, and it may have to stay non-cancelable for up to a year. Roamly works with carriers that handle these filings, and we'll help you get started. No judgment.

## Protection Beyond Basics

| **Type** | **Details** |
| --- | --- |
| **Mechanical Breakdown Coverage** | Engines fail at the worst times — like on Highway 61 up the North Shore, a long way from the next shop. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
| **Riding Gear Coverage** | Helmets, jackets, boots, and gloves — and in Minnesota, every operator needs real eye protection, windshield or not. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
| **Agreed Value for Custom Builds** | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. |

## Rent Your Bike Without Losing Coverage

The North Shore in the fall and the river towns along Lake Pepin draw riders from all over the Midwest. Listing your bike on a peer-to-peer platform like Twisted Road or Riders Share can help it earn its keep between your own rides, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected.

## What Minnesota Actually Requires

**Minnesota mandates 30/60/10 liability coverage on motorcycles — and nothing else.** That's $30k per person and $60k per accident for bodily injury, plus $10k for property damage. Unlike a car policy, a motorcycle policy doesn't have to include PIP, and the PIP on your car policy won't cover you on the bike, so medical payments coverage and uninsured/underinsured motorist coverage are worth a close look. If you're under 18 or riding on an instruction permit, you need a helmet, and every operator needs eye protection. The minimums keep you legal, but they won't go far if you total someone else's Road King or hurt someone badly — and liability alone doesn't pay to fix or replace your own bike. We'll help you figure out what makes sense for your situation.

## Custom Builds Get Real Value

**You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension.** Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim.

### LEGAL DISCLAIMERS

*Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions.* ***Minnesota law references current as of September 2026 — confirm current requirements with the Minnesota Department of Commerce and the Minnesota Department of Public Safety Driver and Vehicle Services.***

## Frequently asked questions

### What's the minimum motorcycle insurance required in Minnesota?

Minnesota requires 30/60/10 liability coverage on a motorcycle: $30,000 per person and $60,000 per accident for bodily injury, plus $10,000 for property damage. PIP isn't required on a motorcycle policy, and uninsured/underinsured motorist coverage is optional. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the Minnesota Department of Commerce.

### Do I have to wear a helmet in Minnesota?

Only if you're under 18 or riding on an instruction permit. Those riders need a DOT-approved helmet. Every operator, at any age, also needs a face shield, goggles, or glasses — a windshield doesn't meet the requirement.

### How much does motorcycle insurance cost in Minnesota?

It depends on your bike, riding history, where you live, and the coverage you pick. Because a motorcycle policy only has to carry liability, adding medical payments, uninsured/underinsured motorist, collision, or comprehensive coverage will change the price. A personalized quote takes a few minutes and gives you the real number.

### Does Roamly cover peer-to-peer rentals like Twisted Road?

Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy.

### Will you insure my custom build at real value?

Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy.

### Do I need full coverage or just liability?

Liability is what Minnesota requires — it pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or hail. If you're financing, your lender will likely require both.

### What if I need SR-22 in Minnesota?

Minnesota doesn't use the SR-22 name. After an uninsured-driving violation, you'll need your insurer to file a certificate of insurance with the Minnesota Department of Public Safety before your license or registration is reinstated, and it can be required to stay non-cancelable for up to one year. Roamly works with carriers that handle these filings and can help you keep coverage in place. Coverage terms, conditions, and availability vary by state and policy.

### Does my credit score affect my rate in Minnesota?

It can. For auto policies, Minnesota bars insurers from using credit as the only reason to reject, cancel, or non-renew, and they must allow exceptions for things like a catastrophic illness or temporary job loss. Your riding record, bike, and location are also major rating factors, and how much each one counts varies by carrier.

### Does my car insurance cover me on my motorcycle in Minnesota?

Not for PIP. Under Minnesota law, injuries on a motorcycle don't count as arising from the use of a motor vehicle — even if a car hits you — so neither your car's PIP nor the other driver's covers you. The UM/UIM on your car policy also isn't required to cover you while you're on a motorcycle you own. That's why medical payments and UM/UIM on the bike policy matter here. We can help you compare options.

## About Roamly

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