Motorcycle insurance that rides with you.

Whether you’re cruising downtown, heading out on a road trip, or commuting on two wheels, motorcycle insurance helps protect you—and your ride. We offer policies tailored to riders across Minnesota, Iowa, and Wisconsin. Wherever the road takes you, we’ll help you get there with confidence.

What does motorcycle insurance cover?

Liability Coverage

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This coverage protects you if you’re at fault in an accident that causes injury or damage to someone else. It’s required by law in Minnesota.

  • Bodily injury liability
  • Property damage liability
  • Legal expenses

Collision Coverage

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Pays for damage to your motorcycle if you're involved in an accident with another vehicle or object.

  • Crashes with other vehicles
  • Damage from hitting an object
  • Coverage regardless of who’s at fault

Comprehensive Coverage

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Helps cover damage not caused by a crash—like theft, vandalism, weather events, or hitting an animal.

  • Stolen or vandalized bike
  • Hail, fire, or storm damage
  • Animal collisions or wildlife-related incidents

Uninsured/Underinsured Motorist Coverage

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Protects you financially if you're hit by someone without enough insurance—or no insurance at all.

  • Medical expenses for injuries
  • Lost wages or rehab costs
  • Covers hit-and-run accidents

Common questions about motorcycle insurance.

  • Is motorcycle insurance required in Minnesota?

    Yes, all motorcycles on public roads must be insured with liability coverage at a minimum.

  • Are custom parts and gear covered?

    They can be. Ask us about coverage for accessories, customizations, helmets, and riding gear.

  • Can I pause my motorcycle insurance in the off-season?

    We can help adjust your policy for seasonal riding so you're not overpaying—but keep some coverage year-round for theft or storage damage.

  • Are there discounts for experienced or safe riders?

    Yes! Completing a safety course, having a clean driving record, or bundling policies can all help reduce your premium.

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