Motorcycle Insurance

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The importance of motorcycle insurance

Motorcycle insurance can protect your bike from physical damage but, most importantly, the liability portion covers the large amounts that can result if you’re sued for bodily injury or property damage caused to another person. With the cost of medical care at an all time high, the costs of an accident can easily reach into the hundreds of thousands. At Scheff Insurance, we’ll explain your coverage, why it’s important, and help you find great rates by automatically comparing quotes from up to 20 top insurance companies. Contact us or get quotes to get started.

Motorcycle insurance - person riding a motorcycle on the road


Custom motorcycle insurance plans

Get a motorcycle insurance plan customized to meet your needs. There are many optional coverages in addition to those required by law. We’ll help you figure out what coverage to consider, what it means, and why it’s important.


Covers bodily injury and/or property damage you cause to another party with your bike.


Covers physical damage to your bike caused by a collision with another vehicle or object.


Covers physical damage to your bike caused by something other than a collision, like weather damage.


Covers bodily injury you sustain in an accident with a driver that has too little or no insurance.

Medical Payments

Covers medical expenses as a result of an accident, without regard to fault.

Custom Parts

Covers after-market parts and equipment with which you’ve modified your bike.

Trip Interruption

Covers food and lodging expenses if your bike breaks down on a trip away from home.

And More

There are even more optional coverages that might be right for you.

Common questions

Is motorcycle insurance required in Minnesota?

Just like with auto insurance, motorcycle insurance is required to legally ride on public roads. At a minimum, you’ll need liability insurance. There are many additional coverage options you’ll want to consider. For instance, personal injury protection is not included on motorcycle policies, like it is on auto, so you may want to add medical payments coverage.

Protect all you hold dear