Motorcycle Insurance

Minnesota's minimum insurance requirements for vehicles also extend to motorcycle owners. That means carrying minimum bodily injury coverage or $30,000 per person and $60,000 per accident, plus property damage coverage of $10,000. Motorcyclists face extra risks on the road since they don't have all the built-in safety features of a car like an enclosed space and air bags. Nearly 14 percent of traffic-related fatalities on Minnesota roads in 2012 involved motorcyclists, so it's essential to take safety precautions when on the road, like wearing a helmet. Completing a motorcycle safety course can not only sharpen your skills, but it can also earn you an insurance discount. You can also earn discounts with some insurers by installing anti-theft devices or belonging to a motorcycle association.