Motorcycle insurance - person riding a motorcycle on a road

Motorcycle Insurance

Get help finding quality motorcycle insurance

Get motorcycle insurance quotes fast and free from up to 25 insurance companies. We comparison shop to help you find great coverage, personalized to your needs, without overpaying. And if your needs change in the future, we can help you find a new insurance company that better aligns with your changing lifestyle. Serving MN, IA, & WI from our office in Rochester, MN. Request quotes or contact us to get started.

Motorcycle insurance - person riding a motorcycle on a road in the southwest

What is motorcycle insurance?

Motorcycle insurance is very similar to auto insurance. It helps protect the community from accidents you cause on your bike. Since these accidents can cause a lot of property damage and result in large medical bills, most states, including Minnesota, require a minimum level of insurance in order to ride legally on public roads.

Coverage required by law includes liability, which provides a specified amount of money to cover property damage and bodily injury you cause to another party. There are some differences between motorcycle and auto coverage, so it’s important to work with an insurance pro to understand how they differ and discuss your options.

If you’d like to learn more about the basics of motorcycle insurance, contact us, or check out info from the Insurance Information Institute.

How to find great motorcycle insurance rates

1. Figure out what coverage you need

It’s important to know what you’re looking for before getting quotes. Some companies will undercut price by removing valuable coverage. If you aren’t sure what coverage you need, we’ll help you out!

2. Get quotes from a bunch of insurance companies

Insurance companies target different customers based on a variety of factors, including the type of bike, driving history, location, and much more. It’s difficult to know which companies will offer the best rates, so you just need to get quotes from a lot of them. Fortunately, we take care of the comparison shopping for you!

Motorcycle Insurance Coverage

There are many coverage options available. Some are required by law, while others are voluntary. Below are some common coverages but this is not an exhaustive list. Upon learning more about your situation, we can suggest coverages that might be a good fit.


Covers bodily injury and property damage you cause to another party.


Covers damage to your bike caused by a collision with another vehicle or object.


Covers damage to your bike caused by an incident other than a collision.

Trip interruption

Covers lodging expenses and other expenses if your motorcycle breaks down on a trip away from home.


Provides you bodily injury coverage when you’re in an accident with a driver that has too little or no insurance.

Medical payments

Covers your medical expenses (up to the coverage limit) caused by an accident, regardless of who was at fault.

Roadside assistance

Provides towing, fuel delivery, and other roadside services.

Custom parts

Covers the cost of after market parts and equipment with which you’ve modified your bike.

Insurance Companies

We strive to work with highly rated insurance companies in order to provide our clients with quality coverage at a great price. Below is a partial list of companies we offer. We are constantly exploring new partnerships and adding additional options, so check back often to see our updated list of carrier partners.

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We compare rates to help you find quality coverage at a great price.