Overall, the cheapest motorcycle insurance in Minnesota is offered by Progressive with median rate of $12 per month or $141 yearly. However, Markel, Geico, Dairyland and Harley Davidson also offer some of the most affordable rates in the state.
Cheapest Motorcycle Insurance in Minnesota
Updated: April 21, 2025
Advertising & Editorial Disclosure
Key Takeaways
For most riders in Minnesota, Progressive offers the cheapest motorcycle insurance with average annual rates of $76 for minimum coverage and $206 for full coverage.
Motorcycle insurance in Minnesota costs an average of $9 per month for minimum liability coverage and $36 monthly for full coverage policies.
You can save on motorcycle insurance by comparing multiple providers, taking motorcycle safety courses, and getting a full motorcycle license.
Cheapest Motorcycle Insurance Companies in Minnesota
Cheapest Provider | Median Monthly Premium | Median Annual Premium |
|---|---|---|
Progressive | $12 | $141 |
Dairyland | $22 | $265 |
Markel | $23 | $274 |
Geico | $28 | $338 |
Harley Davidson | $28 | $338 |
*Rates are a combined average of minimum and full coverage premiums for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
Cheapest Motorcycle Insurance by Category in Minnesota
In our further analysis of other profiles than our base, Progressive still comes out on top winning in all categories we studied. Below you can review the top rates in each.
Cost Category | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Minimum Liability Coverage | Progressive | $6 |
Full Coverage | Progressive | $17 |
Young Riders | Progressive | $13 |
Seniors | Progressive | $6 |
Riders with a Speeding Ticket | Progressive | $8 |
Riders with an At-Fault Accident | Progressive | $8 |
Riders with a DUI | Progressive | $8 |
*Minimum coverage and full coverage picks presented are for a 40-year-old rider with no driving violations who is insuring a 2023 Honda CRF450RL. Young riders are aged 16-25 and seniors are 65-80 for the base profile mentioned. The other cost profiles modify the base profile's driving history.
How Much Is Motorcycle Insurance in Minnesota?
The average annual cost of motorcycle insurance in Minnesota is around $112 for minimum coverage and $430 for full coverage. These costs make the state the 15th in affordability for minimum coverage and the 18th least expensive overall for full coverage motorcycle policies.
Coverage Category | Average Monthly Premium | Average Annual Premium | % Diff From National Average |
|---|---|---|---|
Minimum Liability Coverage | $9 | $112 | -27% |
Full Coverage | $36 | $430 | -25% |
*Rates are for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
How To Save on Minnesota Motorcycle Insurance
Below we'll detail key tips to help you save more on motorcycle insurance in Minnesota.
Choose a Coverage Level Beforehand
Knowing what coverage you actually need can save you from being convinced you need a higher-level policy than necessary.
Compare Multiple Providers
In order to get the best pricing, comparing multiple providers apples to apples in terms of coverage can help you save up to 52% on motorcycle policies in Minnesota. We recommend that you not only compare multiple companies, but also use multiple means
Take Advantage of Discounts
Many discounts are available to help you save including a pay-in-full, autopay, and military/membership reduction for most providers. Bundling motorcycle insurance with other policies is also another great way to save if you want to have coverage with your current provider.
Get a Full Motorcycle License
Getting a full motorcycle license instead of just an endorsement can save you a large sum on insurance for your bike. It works as a signal to insurers that you are less risky than other drivers, lowing premiums overall.
Cheap Motorcycle Insurance Minnesota: Bottom Line
Our top three picks for affordable motorcycle insurance in Minnesota are Progressive, Dairyland and Markel. While these are our recommendations, we urge you to compare options for yourself to get the best deal possible.
Minnesota Motorcycle Insurance: FAQ
Below we've answered some frequently asked questions about Minnesota motorcycle insurance:
Which company has the cheapest car insurance in Minnesota?
For full coverage and basic liability-only policies, Progressive offers the cheapest options. Rates for full coverage on average with the provider cost $17 per month and for minimum liability coverage it costs $6 monthly.
How much does motorcycle insurance cost for most riders in Minnesota?
The average cost of motorcycle insurance in Minnesota is $430 per year or $736 monthly for full coverage policies and $112 annually or $9 monthly for liability-only policies.
Do you need motorcycle insurance in Minnesota?
Yes, Minnesota requires that all riders have motorcycle insurance with at least 30/60/10 in liability coverage.
How We Chose The Cheapest Motorcycle Insurance in Minnesota
We chose our cheapest providers based on the following profile for motorcycle riders:
- 40 years old
- Drives a 2023 Honda CRF450RL
- Has a valid motorcycle endorsement
- Clean driving record
For minimum coverage we used state minimum requirements and for full coverage policies, we used a 100/300/50 liability split and a $1,000 deductible for collision and comprehensive insurance.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.