Motorcycle Insurance

Minnesota Motorcycle Insurance

Few places in our nation have more breathtaking scenery than the Land of 10,000 Lakes. Of course, if you want to hit the open road in Minnesota, you need to make sure you have proper insurance coverage. That’s why RSI Agency, Inc specializes in providing motorcycle policies with real value to our customers.

Legal Requirements

In Minnesota, all motorized, two-wheeled vehicles must be insured with at least minimum liability coverage. Although personal injury protection (PIP) is available for cyclists, unlike drivers of automobiles, bikers are not required to carry this no-fault coverage.

Two-wheeled vehicles that must be insured in this state include

• Motorcycles
• Motor scooters
• Motorized bicycles
• Motorized foot scooters with a maximum of two wheels

Motorcycle Coverage Options

Coverage options for motorcycles are similar to those for cars and trucks. In addition to customizable liability coverage and PIP, RSI Agency, Inc offers

• Collision coverage to help pay for repairs related to an accident
• Comprehensive coverage to help pay for repairs related to non-collision damage
• Medical payments and enhanced injury protection to assist with medical bills and expenses related to injuries from an accident
• Uninsured/underinsured motorist coverage to protect you in the event that you are hit by someone with inadequate insurance
• Custom parts and equipment coverage to help replace or repair accessories and custom parts on your bike
• Personal contents coverage to replace personal items stored in your bike should they be damaged or lost in an accident or other covered event
• Roadside assistance to get you back on the road quickly in the event of a breakdown

Available Discounts

When purchasing insurance, it’s important to find an affordable policy that addresses your risks. The independent insurance agents at RSI Agency, Inc work with customers to find discounts on motorcycle coverage. Common discounts for Minnesota cyclists include

• Responsible driver discounts
• Multi-policy discounts
• Safety course discounts
• Equipment-based discounts
• Recovery device discounts

Learn more today by requesting your free online quote. To speak with a representative, call our office during regular business hours. We look forward to helping you truly enjoy the freedom of the open road.