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Minnesota Motorcycle Insurance Requirements

Minnesota Motorcycle Insurance Requirements

Minnesota is located in the northern, Midwest region of the United States. The name of the state “Minnesota” is derived from a Dakota word that translates to “clear water.” It is referred to by many as the “Land of 10,000 Lakes” due to its significant number of lakes. Many individuals regard the state as being among the top places to hunt, fish, and enjoy wildlife. In addition to the array of beautiful nature throughout the state, there are other attractions. Various professional sports teams including the Timberwolves, Twins, Vikings, and Wild attract fans and business to the area.

The state has been nicknamed the “North Star State” because it is the northernmost state in the U.S. Additionally, sometimes people refer to it as the “Gopher State” due to the significant striped gopher population that lives throughout the state. The economy in this state consists of businesses involved in transportation, government, arts, education, raw materials, and finished products. It is also among the top ranked states in regards to health and quality of living.

Minnesota Motorcycle Insurance Requirements

Each state has specific requirements that must be met before individuals can legally operate motorcycles or other two-wheeled vehicles. The most common requirement is that of having adequate insurance. Insurance is required to protect the rights of drivers and to promote fairness and safer roads. If you get into an accident with another person and you are “at fault” your insurance will help cover the costs to reimburse the other individual for the damages that you’ve caused.

How to Establish Financial Responsibility in Minnesota

In many states, you will be given the option of establishing financial responsibility a variety of ways. In Minnesota you are not given the opportunity of pursuing alternatives to liability insurance. Therefore, you must make sure that you go get an insurance policy before you drive.

  • Liability Insurance – The only valid way to prove financial responsibility is by getting liability insurance from a licensed provider.

If you are confused about liability coverage, just know that it protects other individuals in the event that you would hit them. Although not many people think they will ever get into an accident, they are pretty common. It is better to have coverage than get into an accident and not have any.

Motorcycles / Two-Wheeled Vehicles Defined

Before you go get insurance for your vehicle and drive around, you need to know its classification. There are many different types of 2-wheeled vehicles – and each state has slightly different definitions. If you own a motorcycle, chances are good that you know it and understand it. However, if you are confused between a motorcycle and moped, you can distinguish using the definitions below.

Motorcycle:  A motor vehicle with a seat or saddle for the driver to sit on while riding. These travel on not more than 3 wheels in contact with the ground or level surface. The definition includes motor scooters and bicycles with motors attached.

Motorized Foot Scooter:  A vehicle with handlebars designed to be stood or sat upon by the driver. Must not have more than two 12-inch or smaller diameter wheels. Maximum speed must not exceed 15 mph on a flat surface. An internal combustion engine or electric motor propels these vehicles with or without human propulsion.

Motorized Bicycle:  A vehicle that is propelled by a motor with 50 cc displacement or less OR an electric motor. These must not exceed 2-brake horsepower and must not exceed 30 mph on a flat surface.

If you are confused about the classification of your 2-wheeled vehicle, you can contact the Driver and Vehicle Services Office at the following number: (651)-215-1328. They have experts that are trained to help you better understand your vehicle. They will be able to explain all the ins and outs regarding requirements as well.

Minnesota Motorcycle Insurance Minimum Requirements

Below are the required amounts that your insurance policy must fulfill in the state of MN. As you can see you need sufficient liability protection and you also need coverage for uninsured motorists.

Liability Insurance:

  • $30,000 bodily injury per person

  • $60,00 bodily injury per accident

  • $10,000 property damage per accident

Uninsured Motorist Insurance:

  • $25,000 per person

  • $50,000 per accident

Uninsured motorist coverage is used in the event that you are hit by a driver that doesn’t have sufficient insurance to pay for his or her damages. They will eventually have to pay for their negligence and wrongdoings, but your insurance will pick up the reimbursement costs immediately through uninsured motorist insurance. Also keep in mind that the above amounts are minimums and may not be enough in the event of a serious accident.

Minnesota Laws: Safety & Licensing Requirements

It is important to know some basic legal information regarding helmet requirements, eye-wear usage, headlights, and obtaining a permit before you drive. If you are following proper laws, you should be able to drive without getting a ticket or citation from law enforcement.

  • Helmets – All individuals are required to wear helmets that are under the age of 18 while on a motorcycle. Additionally, helmets must be worn if you only have an instructional permit.
  • Eye Protection – All individuals are required to wear some sort of eye-protection while driving their motorcycles.
  • Headlights – It is mandatory to use your headlights during the daytime while on a motorcycle.
  • Licensing – All drivers must obtain a motorcycle endorsement on their driver’s license before driving. To obtain this endorsement, you need to take and pass proper testing. If you are over 18 years of age, you can skip the road skills test if you have completed the Minnesota Motorcycle Safety Center (MMSC) Basic Rider Course (BRC). If you are under the age of 18, you will need to take that particular course to get your license.

Proof of Insurance in MN

It is important to always carry proof of insurance with you while driving – regardless of the state that you are in. If a police officer pulls you over, they are required to ask to see proof of insurance. If you have valid coverage, you have nothing to worry about regarding insurance. However, if you lack coverage or don’t have proof with you, you will face penalization.

  • Insurance ID Card – All insurance providers will issue customers some sort of identification card after purchasing a new policy or renewing existing coverage.

It is important to make sure you always keep your insurance ID card with you while driving. If you are pulled over and can show your card to an officer, they will not penalize you in any way as long as your coverage is current.

Penalty for Lack of Insurance in MN

You should be aware of the fact that individuals that get caught driving without insurance will face severe penalties. Although you may think you can get away with driving without adequate coverage, the law will eventually catch up with you. Make sure you always have sufficient coverage before you hit the road.

  • Fines: You will be fined if you are unable to show insurance. The amount will vary depending on the number of past offenses you’ve committed.
  • Jail Time: If you are caught driving without insurance, there is a chance you may serve time in jail – especially if you are involved in a serious accident.
  • Suspended License: You will not be able to drive any vehicle until you have served a designated amount of time with a suspended driver’s license.
  • Suspended Registration: Your registration may be suspended for an undisclosed period of time.
  • Court: You may need to go to court to defend yourself after being charged with not having insurance.

Minnesota Motorcycle Insurance Companies

Everyone wants to find the best deal on a motorcycle insurance policy. The easiest way to find the best deal is to search online and compare companies, coverage amounts, and cost. In order to get yourself the best deal, it is recommended to use the free tool below (or at the top of the page) to compare quotes. All you have to do is enter your Zip Code, click “Start!” and check out the companies that are listed.

From the list that is generated based on your living location, you can determine which companies you like best. Compare the quotes that you are given as well as the overall coverage that they will provide. Choose the company that has gotten a good review by this site and that will give you an affordable policy that meets state requirements. Before you know it, you’ll be cruising through the Land of 10,000 Lakes on your bike!

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