Motorcycle Insurance


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As an independent insurance agency, we are associated with over 50 top rated insurance companies that offer the products that most appropriately meet the needs of our clients. Contact us today for a FREE quote!

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Unlike a captive agency that only represents one company, we are an independent insurance agency allowing you the choice of company, policy, and pricing. Our team is staffed with proven professionals to help guide you through the quoting process. We find the coverages you need at the prices you want. Once you become a client we are committed to providing you with the quality service you expect.

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When you insure with us you have choices! Quote over 50 top rated insurance companies and choose the coverages you want and need when insuring your assets.


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We quote all of our companies to ensure we are finding you the coverage you want at the best price possible. Our team continues this effort by checking rates at each policy renewal!


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Our service team is here to help! From start to finish we will guide you through the claims process and keep communications open to service you – our client.

Motorcycle Insurance

Motorcycle insurance is a vital form of protection designed specifically for motorcycle owners. Just like car insurance, it safeguards riders from financial hardships that may arise from accidents, theft, or damage to their prized two-wheeler. This coverage ensures that you can enjoy the thrill of riding your motorcycle while having peace of mind.

Motorcycle insurance is not only necessary, but it is also legally required in most states – including Minnesota. Adequate coverage gives you financial protection in case of an accident, helps cover any damages sustained by your motorcycle, and may also compensate for injuries or property damage caused to others. Without insurance, you could be held personally liable for significant expenses, potentially leading to substantial financial setbacks. Motorcycle insurance policies typically offer a range of coverage options, with most including the following:

Liability Coverage: Protects you financially if you cause an accident and are deemed responsible for injuries to others or property damage.

Collision Coverage: Covers the cost of repairs or replacement if your motorcycle is damaged in a collision with another vehicle or object.

Comprehensive Coverage: Protects against non-collision incidents, including theft, vandalism, fire, severe weather, or damage caused by animals.

Uninsured/Underinsured Motorist Coverage: Provides coverage if you are involved in an accident with a driver who either lacks insurance or has insufficient coverage.

Medical Payments: Covers medical bills and related expenses for you and your passengers regardless of who is at fault in an accident.

The cost of motorcycle insurance varies depending on several factors, such as your age, driving record, location, the type of motorcycle you own, and the amount of coverage you choose. Typically, comprehensive coverage for a motorcycle costs between 1% to 2% of the bike’s total value, while liability-only coverage can be significantly cheaper. To get an accurate quote, it is best to consult with insurance providers who can consider your specific circumstances and provide you with tailored coverage options. To help save on motorcycle insurance premiums without compromising coverage, consider the following measures:

Maintain a clean driving record: Safe riders with no or minimal traffic violations often qualify for lower rates.

Choose a lower-risk motorcycle: Insurance costs can vary based on the engine size, make, and model of your motorcycle. In general, smaller, less powerful bikes are cheaper to insure.

Enroll in motorcycle safety courses: Completing certified motorcycle training courses can demonstrate your commitment to safe riding, potentially leading to discounts.

Bundle your insurance policies: If you already have other insurance policies, such as auto or home insurance, combining them with motorcycle insurance under the same provider can often lead to discounts.

Increase your deductible: Opting for a higher deductible, the amount you pay out-of-pocket before insurance kicks in, can help lower your premium. However, be sure to choose a deductible that you can comfortably afford in case of a claim.

Motorcycle insurance provides essential protection by safeguarding your financial well-being in the event of an accident or theft. Understanding the basics of motorcycle insurance, its coverage options, cost factors, and potential savings can help you make informed decisions and choose the right policy that suits both your budget and riding needs. Stay responsible, stay protected!

Insurance Services

At Insurance Group of Minnesota LLC, our policies are tailored to meet the unique needs of each customer. We offer flexible coverage options, competitive rates, and exceptional customer service to ensure that our clients have the peace of mind they need to enjoy their bikes with confidence. Our motorcycle insurance products can provide additional insurance coverages including:

    • Collision coverage
    • Comprehensive coverage
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Medical payments coverage
    • Personal injury protection (PIP) coverage
    • Roadside assistance coverage
    • Custom parts and accessory coverage
    • Rental reimbursement coverage
    • Guest passenger liability coverage
    • Trip interruption coverage
    • Replacement cost coverage
    • Gap insurance coverage
    • Carried contents and riding apparel coverage
    • And more!

    Learn More

    With countless options and so much jargon to sift through, navigating the world of insurance can be daunting. But fear not! Our team of experts is here to help you learn more about insurance and the multiple companies and products available to you. View our Blog page to read more!