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Coverage for Every Ride

Motorcycle Insurance

Riding the open roads offers freedom—and responsibility. Johannes Agency provides motorcycle insurance that protects riders and passengers across Minnesota and beyond. Whether you own a cruiser, touring bike, or custom motorcycle, we’ll help you find coverage that keeps you protected wherever the ride takes you.

What’s Included in Motorcycle Insurance Coverage

Motorcycle policies provide specialized protection for both you and your bike. Standard coverage options include:

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Liability Coverage

Required by law; covers injury or property damage to others.

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Collision Coverage

Pays for damage to your motorcycle after a crash, regardless of fault.

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Medical Payments

Helps cover medical costs for you and your passengers.

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Comprehensive Coverage

Covers theft, vandalism, fire, or weather damage.

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Accessories & Custom Parts

Optional coverage for saddlebags, chrome, or custom upgrades.

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Uninsured/Underinsured Motorist

Protects you if hit by a driver without adequate coverage.

Motorcycles & Vehicles We Insure

Johannes Agency covers a wide range of motorcycles and similar vehicles, including:

  • Cruisers & Touring Bikes

    Long-distance and highway riders.

  • Sport & Street Bikes

    Performance coverage for faster rides.

  • Custom & Classic Motorcycles

    Specialized protection for collectible or modified bikes.

  • Scooters & Mopeds

    Affordable coverage for city or short-distance rides.

  • Trikes & Sidecar Models

    Flexible coverage for multi-wheel motorcycles.

Motorcycle Insurance FAQs

Here are answers to common questions Minnesota riders ask about motorcycle coverage:

  • Is motorcycle insurance required in Minnesota?

    Yes. State law requires liability coverage for all motorcycles operated on public roads. Additional coverage like collision and comprehensive is optional but highly recommended.

  • Does motorcycle insurance cover passengers?

    Yes. Medical payments or guest passenger liability coverage can protect passengers injured in an accident.

  • Can I insure a motorcycle year-round?

    Yes. Even during storage months, keeping comprehensive coverage ensures protection against fire, theft, or vandalism.

  • Do custom parts and accessories need special coverage?

    Yes. Standard policies limit accessory coverage, so it’s best to add a custom parts endorsement for upgrades or specialized builds.

  • Are helmets or safety gear covered?

    Some policies reimburse for protective gear damaged in a covered crash. We can help you find a policy that includes this benefit.