Motorcycle Insurance Minnesota — Frankot Agency
Motorcycle Insurance
Hit the open road with the right coverage.
Minnesota's riding season is short — make the most of every mile with motorcycle insurance that protects you, your bike, and your gear. Frankot Agency works with riders of all experience levels to find the right policy.
What's Covered
Motorcycle Coverage for Every Rider
Liability Coverage
Required by Minnesota law — covers bodily injury and property damage you cause to others in an at-fault accident.
Collision Coverage
Pays to repair or replace your motorcycle after a collision with another vehicle or object.
Comprehensive Coverage
Covers non-collision damage: theft, fire, vandalism, hail, and weather events.
Uninsured Motorist
Protects you if you're hit by a driver with no insurance — especially important for motorcyclists.
Riding Gear Coverage
Covers your helmet, jacket, gloves, and other riding gear if damaged in an accident.
Roadside Assistance
Emergency towing and roadside help if your bike breaks down — available as an affordable add-on.
Why Frankot Agency
Local Expertise,
Personal Service
As an independent Minnesota insurance agency, we work for you — not the insurance companies. That means we shop multiple carriers to find you the best coverage at the best price.
- Coverage for all bike types: cruisers, sport bikes, touring, and more
- Seasonal storage discounts during Minnesota winters
- New rider discounts available
- Agreed value coverage to protect your investment
- Bundle with auto or home for multi-policy savings
- Local agents who ride and understand your needs
Common Questions
Frequently Asked Questions
Is motorcycle insurance required in Minnesota?
Yes. Minnesota requires all registered motorcycles to carry minimum liability insurance. The minimums are the same as for auto: $30,000/$60,000 for bodily injury and $10,000 for property damage.
Can I get a discount for storing my bike in winter?
Many carriers offer lay-up or storage discounts for the months your motorcycle is not in use. You can typically suspend collision and liability coverage while keeping comprehensive coverage active to protect against theft and weather damage.
Does my auto insurance cover my motorcycle?
No. Auto insurance policies do not extend to motorcycles. You need a separate motorcycle insurance policy to be legally covered and financially protected.
Is my riding gear covered?
Standard motorcycle policies may not cover your gear. However, many carriers offer a riding apparel endorsement that covers your helmet, jacket, boots, and other protective equipment. Ask your Frankot agent about adding this coverage.
Ready to get covered?
Talk to a local Minnesota agent today — no pressure, no obligation.