In a large bowl, stir together Greek yogurt, honey, vanilla extract, cinnamon, and protein powder (if using) until smooth. Fold in the chopped strawberries and raspberries gently.
Line a baking sheet with parchment paper. Scoop 10 clusters of the yogurt mixture onto the parchment, spacing them apart. Freeze for 1 hour until completely solid.
In a small microwave-safe bowl, melt chocolate chips and coconut oil together. Microwave in 30-second intervals, stirring between each, until smooth. Let cool for 2–3 minutes. Add more coconut oil if the chocolate is too thick for dipping.
Dip each frozen cluster into the melted chocolate and return to the parchment-lined baking sheet. Drizzle any remaining chocolate over the tops if desired. Freeze for another 10–20 minutes until the chocolate shell is set.
Enjoy immediately, or transfer to an airtight container and store in the freezer. Let clusters sit at room temperature for 15 minutes before eating for the best texture.