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Minnesota has some of the most beautiful motorcycling roads of anywhere in the United States. It’s winding rivers, sunny shorelines and lush forests make it a favorite destination for many devoted riders. According to the World Atlas, Minnesota has roughly 237,000 registered motorcycles, and has the tenth highest volume of motorcycles out of any state. But before riders can hit the open roads, they need to have proper motorcycle insurance that can protect them and others in the event of an accident.

The 4 best motorcycle insurance companies in Minnesota

Minnesota state law requires that all motorcyclists have a minimum amount of insurance. But when shopping for insurance, it can be difficult to know which company offers the best motorcycle insurance coverage for your budget and lifestyle. If price is your main concern, you might be wondering what’s the cheapest motorcycle insurance in Minnesota? To make your search easier, we identified the top motorcycle insurance companies in Minnesota: Geico, Nationwide, Allstate and Dairyland.

To evaluate these providers, we compared average cost, coverage options, available discounts and customer service ratings for each company The minimum monthly rates below were calculated based on a sample profile for a 26-year-old single female living in St. Paul, Minnesota, who has been riding motorcycles for about four years.

Company Monthly minimum rate
Geico $8.05
Nationwide $9.73
Progressive $6.25
Dairyland Insurance $27.95

Best for low monthly premiums: Geico

Geico is among the top insurance companies in the United States, and is a customer favorite due to its affordable monthly premiums. Geico motorcycle insurance covers most types of motorcycles, including sport bikes, cruisers, touring bikes, scooters, dirt bikes and more. The company’s motorcycle insurance plans offer bodily injury, collision, comprehensive, personal injury, property damage, accessories, and uninsured and underinsured driver coverage. Customers can work with a Geico agent to customize their motorcycle insurance policy to fit specific needs and personal requirements. Geico also keeps costs down by allowing customers to choose a personalized payment plan that works for their budget.

Geico offers a variety of discounts for motorcycle insurance premiums. Customers can receive up to 10% off if they transfer their existing insurance to Geico, insure more than one bike, renew with Geico after the first year or complete an approved motorcycle safety training course.

Best for extensive coverage options: Nationwide

Nationwide is a great motorcycle insurance provider for riders that want to be able to pick and choose from a wide range of coverage options. Customers can opt for coverage up to $50,000 per bike, custom bike parts up to $30,000 and trailer attachments. Nationwide’s most basic policy includes liability, collision, comprehensive, underinsured and uninsured driver coverage and personal injury protection. For riders with custom bikes, they can purchase add-ons that cover custom equipment, OEM endorsement and roadside assistance.

The company is best known for its widely-popular Vanishing Deductible® program, which gives safe drivers $100 off their deductible for each year of safe driving, up to $500. In addition, Nationwide customers can get discounts for having certain motorcycle safety features, bundling their policies, paying their premium in full, completing an approved motorcycle safety course and more.

Best for new and young riders: Progressive

Progressive is the top motorcycle insurance provider in the United States. If you’re a recently licensed motorcycle driver, or are a new driver in general, consider getting Progressive for insurance. Progressive an ideal provider for new and young drivers because of its extensive coverage options, and discounts that reward teen drivers and good students. Progressive also offers accident forgiveness, which means that in the event of a collision, your rate won’t increase if you have a claim of $500 or less. Coverage included in all Progressive plans include bodily injury, property damage, comprehensive, collision, underinsured and uninsured drivers and medical payments. Additionally, Progressive includes full replacement cost and no depreciation, custom parts and OEM coverage in all insurance plans.

The company also offers a variety of discount options. With the Snapshot® program, drivers can save money on their monthly premium based on how safely they drive. Progressive also offers discounts for getting a quote in advance, bundling policies, belonging to a motorcycle club, taking an approved motorcycle safety course, paying your premium in full, setting up autopayments and more.

Best for high-risk riders: Dairyland Insurance

For drivers with a history of accidents, Dairyland Insurance is a popular insurance provider. The company specializes in non-standard motorcycle insurance, and offers free, same-day SR-22 coverage, which a driver might need to reinstate or keep their driving privileges after certain traffic-related incidents, like a DUI. A basic motorcycle insurance plan from Dairyland includes basic coverage, such as collision, comprehensive and injury coverage, as well as replacement costs, rental reimbursement, roadside assistance and special equipment coverage.

Because Dairyland caters to high-risk drivers, expect the monthly premiums to be more expensive than some other providers we evaluated. However, the company does offer discounts for customers that insure multiple bikes, are a member of a motorcycle group, bundle their auto policies, pass an approved motorcycle safety course and more.

Minnesota cities with the cheapest motorcycle insurance

Motorcycle insurance is much less expensive than many other types of insurance, like home or life insurance. However, your motorcycle insurance premiums will vary based on the city your live in, the age of the driver, your driving record and the type of bike you own.

To compare the average monthly motorcycle insurance premiums in different Minnesota cities, we looked at rates for a 40 year old male, who is married, owns a home and has been riding motorcycles for about five years. In Duluth, Minnesota, his average monthly premium for minimum coverage would be just over $7, and $27 for enhanced coverage. In Lake City, MN, a much smaller town of about 5,000 people, his average monthly premium for minimum coverage would be around $4, and $19 for enhanced coverage.

Minimum motorcycle insurance required in Minnesota

In Minnesota, all motorcycle riders must have insurance on their bike. The state requires riders to have $30,000/$60,000 for bodily injury protection (per person/per accident) and a minimum of $10,000 for property damage liability.

Minnesota motorcycle laws

Whether you’re a new or experienced motorcyclist, make sure you know the Minnesota motorcycle laws before you hit the open road.

  • Licensure: In order to operate a motorcycle in Minnesota, all drivers must have a Class M license, which is an add-on to a standard Class D driver’s license.
  • Registration: The state of Minnesota requires all motorcycles to be registered. To avoid getting a ticket, make sure your registration sticker is up-to-date and clearly visible on your license plate.
  • Insurance: All motorcyclists in Minnesota are required to have minimum 30/60/10 insurance coverage before driving.
  • Helmets: Minnesota requires all riders under age 18, or riders with a learner’s permit, to wear a DoT-approved helmet while riding. While riders over age 18 are not required to wear a helmet, all drivers must wear approved eye protection.
  • Lane splitting: Lane splitting—weaving in and out of traffic around other vehicles—is illegal in the state of Minnesota.