# Motorcycle Insurance Eagan, MN | Block Agency > Minnesota motorcycle insurance from a local Farmers® agency in Eagan: 30/60/10 liability, injury coverage, lay-up options, parts and gear. (651) 252-6655. Source: https://blockagencyinc.com/motorcycle-insurance [Home](https://blockagencyinc.com/) / Motorcycle Insurance # Minnesota Motorcycle Insurance: A short season. No room for gaps. Minnesota riders get roughly April through October, and no-fault doesn't ride along. A local Farmers Insurance® agency in Eagan, building policies that cover you on the road and the bike in storage. [Get My Free Rider Quote](https://blockagencyinc.com/quote?type=motorcycle) [or call **(651) 252-6655**](tel:+16512526655) 30/60/10 MN Liability Required No PIP Bikes Are Outside No-Fault 1 in 9 MN Drivers Uninsured 15 min To Start Your Quote The Quick Answer A Minnesota motorcycle needs its own policy with at least **30/60/10 liability**; your auto policy does not cover it. Unlike cars, motorcycles are ** excluded from Minnesota's no-fault system**, so personal injury protection is ** not required** on a bike, and the no-fault benefits on your car shouldn't be assumed to follow you onto it. That makes the coverages you choose the important ones: ** uninsured/underinsured motorist** (about **1 in 9 Minnesota drivers is uninsured**), the injury coverage options on your rider policy, and your own health coverage. Minnesota requires ** helmets for riders under 18 and anyone on an instruction permit**, and ** eye protection for every operator**. The season runs roughly ** April through October**, so ask about ** lay-up coverage** instead of cancelling over winter, plus ** custom parts coverage** (defaults are small), ** safety apparel** for the four-figure kit, and ** guest passenger liability** if anyone rides behind you. ** Block Agency**, a local Farmers agency in Eagan, quotes riders free at **[(651) 252-6655](tel:+16512526655)**. Required : 30/60/10 liability, on its own policy No-fault : Motorcycles excluded; PIP not required Helmet law : Under 18 & permit holders; eye protection for all Free quotes : [(651) 252-6655](tel:+16512526655) Minnesota Motorcycle Insurance, The Short Version ## Minnesota gives riders a short season. Build the policy for all twelve months. Riding here is a seasonal sport. Roughly April through October, Minnesota riders make the most of every dry weekend: river roads along the Mississippi and the St. Croix, lake runs up north, evening loops through the south metro. Then the bike goes into the garage for winter. A good rider policy is built for both halves of the year: real protection on the road, and a lower-cost lay-up option while it's parked. Now the part that shapes every recommendation on this page. Minnesota's no-fault system covers cars, not motorcycles. The law **excludes motorcycles from no-fault** and requires **30/60/10 liability** on a bike. In a car, your own PIP pays up to $40,000 of injury-related losses no matter who caused the crash. On a motorcycle, PIP isn't required, so the coverage that pays for *your* injuries is whatever you choose to add. That's why we build the injury side of a rider policy first, starting with **uninsured/underinsured motorist coverage** for the roughly 1 in 9 Minnesota drivers carrying nothing at all. Minnesota's rider rules are simple to state. **Helmets** are required for riders under 18 and anyone riding on an instruction permit; ** eye protection** is required for every operator, whatever your age. Past 18, the helmet is your call. But in 2022 Minnesota recorded 82 motorcycle deaths, the most since 1985, and about two-thirds of the riders killed weren't wearing one. The rest is making the policy match the bike you actually ride: **custom parts coverage** above the small default, ** safety apparel** for the gear, ** guest passenger liability** if anyone rides with you, and comprehensive against theft, fire, and Minnesota hail, on the road and in storage. One call, bundled with the car and the house, and it is usually cheaper than riders expect. ## What a rider policy needs. And the three gaps nobody mentions. The required part is small. The parts that decide whether a bad day ruins you are the ones you choose. Required by law 30/60/10 ### Liability The same 30/60/10 limits Minnesota requires of a car, on the bike's own policy. Covers what you do to others' bodies and property, plus legal defense. On a vehicle this exposed, we treat the minimum as the floor for the conversation, not the recommendation. Do not skip UM / UIM ### Uninsured Motorist PIP isn't required on a motorcycle in Minnesota. Ask us about uninsured/underinsured motorist limits — on a bike, you're the crumple zone. About 1 in 9 Minnesota drivers has no insurance. This is the coverage that pays when the driver who turned left in front of you cannot. Strongly recommended Your Injuries ### Injury Coverage Motorcycles sit outside Minnesota's no-fault system, so a rider policy may include nothing for your own medical bills unless you add it. We will show you the options for your bike and how they fit with your health plan. On two wheels, even a modest get-off means an ambulance. If you'd miss it Comp & Collision ### Physical Damage Repairs or replaces the bike. Comprehensive matters more than riders think: it covers theft, fire, vandalism, and hail, and Minnesota summers bring plenty of hail. Your garage is not coverage, and your carport definitely is not. Off-season Lay-Up ### Lay-Up / Seasonal The right answer instead of cancelling when the bike goes into storage for a Minnesota winter. Keeps comprehensive alive against theft and fire while suspending what you are not using. Cancelling creates a coverage gap that can raise what you pay later. Free money Training ### Safety Course Discount Many carriers offer a discount for completing an approved motorcycle safety course. It is also the best way to shake off the rust before the first ride of spring. Safer riding, and often a lower premium. Take it. Usually a gap Your Mods ### Custom Parts & Equipment Standard policies assume a stock bike and cap accessories at a small default. Exhaust, bars, bags, seat, paint, lighting, engine work. Add up what you have spent past stock, then raise the limit to match. It is cheap. Usually a gap Your Gear ### Safety Apparel Helmet, jacket, gloves, boots, armor. It is not part of the bike, so the bike's coverage does not replace it. A full kit runs into four figures and one get-off destroys all of it at once, in the same crash that bent the frame. Check this Passengers ### Guest Passenger Liability Some rider policies limit or exclude passenger liability, or make it an add-on. The person on the back is the most likely to be badly hurt in your crash. If you ever carry anyone, this line is not optional. ### Is your bike insured as the bike you actually built? Mods, gear, and the passenger line are the three we find wrong most often. Send us your declarations page and we will read it with you, free. [Check My Policy](https://blockagencyinc.com/quote?type=motorcycle) [Call (651) 252-6655](tel:+16512526655) The Minnesota Rules That Matter ## Four things that change how a claim goes here. Minnesota treats motorcycles differently from cars, in ways that decide what a claim pays and who pays it. ### 1. No-fault stops at the motorcycle Minnesota's no-fault law defines a motor vehicle as one with at least four wheels, so **motorcycles are excluded**. A bike owner must carry liability at the 30/60/10 limits, but ** personal injury protection isn't required**. Translation: the automatic injury benefits drivers count on in a car don't automatically follow you onto the bike. Build that injury stack deliberately: UM/UIM, the injury coverage options on your policy, and your own health and disability coverage. ### 2. One in nine, and you're the crumple zone About **11.3% of Minnesota drivers are uninsured**, and many more carry only minimum limits. PIP isn't required on a motorcycle in Minnesota. Ask us about uninsured/underinsured motorist limits — on a bike, you're the crumple zone. When the at-fault driver has nothing, your own ** UM/UIM** is the coverage most likely to pay for *your* hospital stay. ### 3. Helmets and eye protection Minnesota requires a helmet for riders **under 18** and anyone riding on an ** instruction permit**. ** Eye protection is required for every operator**, regardless of age. Past 18 the helmet is your choice, but the numbers are hard to ignore: Minnesota recorded **82 motorcycle deaths in 2022**, the most since 1985, and about two-thirds of those killed weren't wearing one. ### 4. Your auto policy is not helping A motorcycle needs its own policy; your car's coverage doesn't extend to it. The upside of doing it properly: bikes rate cheaper than people expect, and bundling the bike with the [auto](https://blockagencyinc.com/auto-insurance) and [home](https://blockagencyinc.com/home-insurance) policies usually pays for a chunk of it. One call, one team, the whole garage. ### Let it lapse over the winter? Get it back in force before spring. A gap can raise your rate, leaves a stored bike exposed to theft and fire, and leaves you bare on the first warm day. One call fixes it. [Get Covered Now](https://blockagencyinc.com/quote?type=motorcycle) [Call (651) 252-6655](tel:+16512526655) ## Whatever you ride. However you ride it. A spring-to-fall commuter and a garage-kept restoration are not the same policy. Tell us which one you are. [### Daily commuters Riding I-35E and I-494 to work all season means more exposure and more miles, and UM coverage matters most for you because you are surrounded by the drivers who cause the crashes.](https://blockagencyinc.com/quote) [### Builds & heavily modified bikes If your bike left stock a long time ago, the default accessory limit is not close. Custom parts and equipment coverage exists exactly for you, and it costs very little.](https://blockagencyinc.com/quote) [### Weekend & back-road riders Out on the river roads a few times a month, parked the rest, and parked all winter. Lay-up options keep theft coverage alive without paying for road exposure you are not using.](https://blockagencyinc.com/quote) [### Riders who carry passengers Guest passenger liability is limited or excluded more often than riders realize. If anyone ever gets on the back, this gets checked before you ride, not after.](https://blockagencyinc.com/quote) [### Classics & collectibles A vintage bike is not worth its depreciated book value and should not be insured as if it were. Agreed value is the conversation, the same as it is for any collector vehicle.](https://blockagencyinc.com/quote) [### New riders Highest risk, lowest experience. If you are riding on a permit, Minnesota requires a helmet, and a safety course is the best investment you will make. Start with real limits rather than the legal floor.](https://blockagencyinc.com/quote) ### One call, and it's usually cheaper than you think. You ride fewer miles than you drive, and it bundles with the car and the house. Tell us about the bike and we will quote it properly. [Get My Free Quote](https://blockagencyinc.com/quote?type=motorcycle) [Call (651) 252-6655](tel:+16512526655) ## Motorcycle insurance in Eagan. And across Minnesota and western Wisconsin. Where you park it matters as much as where you ride it. Theft rates and premiums both move ZIP by ZIP. [Get Quote](https://blockagencyinc.com/quote) [Eagan](https://blockagencyinc.com/quote) [Burnsville](https://blockagencyinc.com/quote) [Apple Valley](https://blockagencyinc.com/quote) [Lakeville](https://blockagencyinc.com/quote) [Inver Grove Heights](https://blockagencyinc.com/quote) [Mendota Heights](https://blockagencyinc.com/quote) [Rosemount](https://blockagencyinc.com/quote) [Farmington](https://blockagencyinc.com/quote) [Savage](https://blockagencyinc.com/quote) [Prior Lake](https://blockagencyinc.com/quote) [Bloomington](https://blockagencyinc.com/quote) [Woodbury](https://blockagencyinc.com/quote) [Saint Paul](https://blockagencyinc.com/quote) [Hastings](https://blockagencyinc.com/quote) [Hudson, WI](https://blockagencyinc.com/quote) [River Falls, WI](https://blockagencyinc.com/quote) [All of Minnesota & Wisconsin](https://blockagencyinc.com/quote) ## Minnesota rider questions. Straight answers. Is motorcycle insurance required in Minnesota?+ Yes. A Minnesota motorcycle owner must carry liability coverage of at least **$30,000 per injured person, $60,000 per accident, and $10,000 in property damage**, the same 30/60/10 limits required on a car. What's different is everything else. Motorcycles are excluded from Minnesota's no-fault system, so the personal injury protection required on a car is not required on a bike. Liability is the legal minimum; the coverage that protects you is up to you. Does my auto policy cover my motorcycle?+ No. A motorcycle needs its own policy; your auto policy does not extend to it. The good news is that bike policies are usually cheaper than people expect, since you ride fewer miles than you drive, and bundling the bike with your auto and home trims the whole stack. Do motorcycles get no-fault (PIP) benefits in Minnesota?+ Not automatically. Minnesota's no-fault law **excludes motorcycles**, and personal injury protection is ** not required** on a motorcycle policy. So don't assume the no-fault benefits on your car will pay for injuries on your bike. Ask us exactly what injury coverage your rider policy includes, and what it would cost to add more. What happens if an uninsured driver hits me?+ This is the rider question, because about **1 in 9 Minnesota drivers** carries no insurance and on a bike you are the crumple zone. Uninsured/underinsured motorist coverage steps into the at-fault driver's shoes and pays for your injuries. PIP isn't required on a motorcycle in Minnesota. Ask us about uninsured/underinsured motorist limits — on a bike, you're the crumple zone. Do I have to wear a helmet in Minnesota?+ Only if you are **under 18** or riding on an ** instruction permit**. But ** every operator must wear eye protection**, whatever their age. Past 18, the helmet is your choice. In 2022, Minnesota recorded 82 motorcycle deaths, the most since 1985, and about two-thirds of the riders killed were not wearing a helmet. We would rather insure you with one on. Does liability coverage pay for my own injuries?+ No. Liability pays for the people you injure and the property you damage. Your own injuries are covered by whatever injury coverage you add to your rider policy, your health insurance, and, when the other driver is at fault and uninsured or underinsured, your UM/UIM coverage. Because motorcycles sit outside Minnesota's no-fault system, building that injury stack deliberately matters more on a bike than on any car. Are my custom parts and accessories covered?+ Only up to a small default limit, and most bikes wear real money: pipes, bars, seats, luggage, chrome, paint. Custom parts and equipment coverage raises that limit to match reality, and it is cheap. Bring us the receipts, or at least an honest list, and we will size it properly. Is my riding gear covered?+ Not automatically. Your helmet, jacket, gloves, boots, and armor are not part of the motorcycle, so the bike's physical damage coverage does not replace them. A full kit runs into four figures and one get-off destroys all of it at once. Safety apparel coverage exists for exactly this, and it costs little. Is my passenger covered?+ Check, do not assume. Guest passenger liability covers the person on the back, the one most likely to be seriously hurt in your crash and whose family is most likely to file the claim. Some policies include it, some do not. If you ever carry anyone, make sure yours does. Can I drop coverage over the winter?+ You can, but it is usually the wrong trade. A stored bike can still be stolen, catch fire, or get damaged in the garage, all comprehensive claims, and a coverage gap can raise what you pay when you restart in spring. Minnesota's riding season runs roughly April through October, so ask about a lay-up or storage option instead. It suspends what you are not using while keeping comprehensive alive. Cancelling outright saves less than you think. Will a safety course lower my rate?+ Often, yes. Many carriers offer a discount for completing an approved motorcycle safety course, and it is the best way to sharpen skills, especially for new riders and anyone riding on a permit. Safer riding, and often a lower premium. Take it. Do scooters and mopeds need insurance too?+ Small displacement does not shrink the liability: a 150cc scooter can put a pedestrian in the hospital as effectively as a liter bike. Coverage for scooters is inexpensive. Tell us what you ride and we will confirm what it needs and place it correctly. Still have questions? [Call (651) 252-6655](tel:+16512526655). We will give you a straight answer. ## Bundle the bike with the rest. [Get a rider quote](https://blockagencyinc.com/quote?type=motorcycle) [Auto insurance](https://blockagencyinc.com/auto-insurance) [RV & recreational](https://blockagencyinc.com/rv-insurance) [Call (651) 252-6655](tel:+16512526655) ## Ride it. Don't worry about it. Free, fast, and in plain English. Tell us what you ride, what you have done to it, and who rides with you. We will build the policy around the actual bike. It takes about 15 minutes to get started. [Get My Free Rider Quote](https://blockagencyinc.com/quote?type=motorcycle) [or call **(651) 252-6655**](tel:+16512526655) --- **Farmers Insurance - Block Agency** · 1121 Town Centre Drive, Suite 101, Eagan, MN 55123 · (651) 252-6655 · Mon–Fri 9:00 AM–5:00 PM; evenings by appointment Request a quote: https://blockagencyinc.com/quote-request (plain HTML form) or https://blockagencyinc.com/quote (guided).