Michigan requires some of the highest liability limits in the United States. Drivers may choose to lower these limits to $50,000/$100,000 with a signature opting to do so. It is not recommended to lower the limits from the minimum required.

Property Damage is required at $10,000, but suggested to carry much higher. Potentially, the lowest limit you can purchase in Michigan, with a signature opting for lower, is 50/100/10, but it is not recommended!

Personal Injury Protection (PIP) is also required by law with a few options available. You can choose Unlimited PIP coverage, $500,000, $250,000, $50,000 (with Medicaid), or opt-out (only drivers with a qualifying health insurance plan that covers car accident injuries). Property Protection Insurance is also required by law, at 1 Million.

City	Price
Warren city	$108.00
East Lansing	$129.00
Detroit	$124.00
Sterling Heights	$113.00
Troy city	$99.00
Port Huron city	$122.00
Brownstown	$128.00
Clinton charter township	$97.00
White Lake	$129.00
Orion	$106.00
Flint	$116.00
Allendale	$121.00
Rochester Hills	$125.00
Macomb	$99.00
Delta	$107.00
Plainfield charter township	$134.00
Holland city	$100.00
Wyoming	$125.00
Jackson	$125.00
Shelby	$105.00
Westland	$99.00
Bedford township	$109.00
Dearborn Heights	$109.00
Royal Oak city	$109.00
Battle Creek	$96.00
Van Buren	$115.00
Washington township	$107.00
Commerce	$113.00
Bloomfield charter township	$123.00
Madison Heights	$101.00
Ann Arbor city	$117.00
Plymouth	$102.00
Kalamazoo city	$106.00
West Bloomfield	$106.00
Livonia	$114.00
Ypsilanti	$124.00
Eastpointe	$132.00
Meridian	$135.00
Novi city	$98.00
Bay City	$98.00
Saginaw city	$121.00
Chesterfield	$100.00
Taylor	$127.00
Georgetown	$116.00
Oak Park	$110.00
Grand Rapids city	$107.00
Saginaw	$130.00
Portage city	$96.00
Holland charter township	$102.00
Waterford	$97.00
Grand Blanc	$126.00
Southgate	$109.00
Canton	$124.00
Burton	$97.00
Garden City	$134.00
Kentwood	$102.00
Roseville	$129.00
Dearborn	$99.00
Southfield city	$122.00
St. Clair Shores	$114.00
Pittsfield	$117.00
Delhi	$119.00
Muskegon city	$115.00
Pontiac	$115.00
Lansing city	$96.00
Midland city	$98.00
Independence	$100.00
Lincoln Park	$114.00
Farmington Hills	$120.00
Flint city	$109.00
Mount Pleasant	$114.00
Gaines charter township	$112.00
Redford	$134.00

Michigan has the longest freshwater coastline spanning $3,288 miles which makes Michigan well known for its fishing! It is also known as the Car Capital of the World making it the heartland of the United States auto Industry. Looks like there is no shortage of vehicles/motorcycles to choose from if you are in Michigan.

MOTORCYCLE INSURANCE MICHIGAN: How To Get A Motorcycle License

In Michigan, you must carry a valid Michigan License in order to get a Motorcycle Endorsement on your license. After you’ve completed a vision and written knowledge test you can obtain a Temporary Instruction Permit (if you are not already licensed).

They recommend you practice for up to 180 days with an endorsed motorcyclist and then pass a rider skills test – results will then be submitted to the Secretary of State.

You will receive an email with Instructions about the next steps if you passed your skills test.

The fee for licensing is $16 application fee.

Michigan Insurance Discounts

Insurance companies are able to offer drivers a wide array of Michigan insurance discounts, which we all know can lead to instant savings! Who does not love to save money on their Motorcycle Insurance? Some of the common discounts include, paperless discount, Auto Pay/EFT, Pay in full discount and continuous Insurance discount.

Other discounts that not all companies offer are driver experience, safety course completion, and Group Affiliation discount. It is recognized that members of a motorcycle group are more likely to practice safe driving and abide by all the laws which leads to less accidents/claims.

Still other Michigan insurance discounts that are implemented by rating factors are marital status, multiple operators, multiple vehicles (motorcycles) and location.

Motorcycle Rider Group Discount

Multi Lines Discount

Advanced quote

Approved safety course

Continuous Insurance Discount

Vehicle usage & Mileage

LoJack device

Responsible driver

Anti lock brakes

HOG Discount

Operator’s Education Course

Association membership

MC Endorsement on License

Years of riding experience

EFT Discount

Operators Safety Course

Prompt payment

Multi policy

Married discount

MOTORCYCLE INSURANCE MICHIGAN: RATING FACTORS

Rating factors are used by Insurance companies when determining a risk and calculating the premium for each potential insured to get the cheapest Michigan motorcycle insurance rates.

These rating factors include the location and amount of accidents/claims in that area. The drivers experience and driving history such as accidents, claims, and tickets on their driving record.

Marital status, gender and age are all rating factors as well. The idealistic customer is an experienced driver (in late 20s to 30s) with a clean driving history, living in an area with fewer people (this generally means fewer accidents and claims).

Drivers that meet this criteria will see lower Insurance prices, whereas younger drivers with a long history of violations will pay more for their insurance.

Lastly, the type of Motorcycle you are insuring and the coverages desired are both big rating factors. You will generally pay less on an older bike that you are insuring for liability only, versus a brand new bike with full coverage.

MOTORCYCLE INSURANCE MICHIGAN: Rating Factors List

location

occupation. Credit

rider age

coverages

Type of bike (engine size

driving history

rider experience

education level

marital status

riding frequency

year make model)

gender

MOTORCYCLE INSURANCE MICHIGAN: Cheapest Insurance Rates

Company	SR22 Liability (average)
Progressive Insurance	$116.00
Geico	$105.00
Dairyland	$115.00

The cost for liability insurance on a Motorcycle can be surprisingly inexpensive. Usually the difference in liability limits if you opt for higher is a matter of dollars, and sometimes the difference between liability and full coverage can be a matter of dollars as well.

It never hurts to ask your insurance agent to play around with the coverages to get you the best coverage for your money. Most liability policies will range from $5-$15 a month, depending on the driver, type of bike, and coverages selected.

Most companies include Trip Interruption/Roadside, and accessory coverage onto all liability policies. Trip Interruption will pay out a certain amount if you are over a certain amount of miles from your residence, and you are broken down. This will pay for a tow, transportation and food/lodging.

Accessory coverage and Safety Riding apparel coverage pays out if your bike has custom accessories that were damaged in an accident, and your riding apparel such as helmet, goggles, leather jacket, chaps, and gloves if damaged in an accident.

These coverages will typically require receipts to be shown in the event of a claim. Make sure to ask your Insurance agent if these coverages are included in your Liability only policy.

MOTORCYCLE INSURANCE MICHIGAN: COVERAGE OPTIONS

The most basic coverage available for your motorcycle insurance policy is Liability Only.

Liability will cover the other parties’ bodily injury expenses and property damage up to your liability limit, for what you are liable for (also known as At Fault).

Most liability policies come with additional coverages like Roadside/Trip Interruption, Safety Riding Apparel, and Accessory coverage. You can also choose to add Uninsured Motorist and full coverage to your policy.

Full coverage consists of Comprehensive and Collision.

Comprehensive will cover things like theft, hail, vandalism, glass breakage, and impact with an animal. Collision covers an impact with a vehicle or object. Most motorcycle insurance policies are so cheap, that it can be a matter of dollars to go from liability coverage, to full coverage so it is always worth it to ask your agent to check the prices on both.

MOTORCYCLE INSURANCE MICHIGAN: Coverage Options

Comprehensive

Rental Reimbursement

Uninsured Motorist Bodily Injury

Liability

Guest Passenger Liability

Diminishing Deductible

Physical Damage Plus

Collision

Carried contents

Accessory Coverage

Optional Equipment

Uninsured Motorist Property damage

Roadside/Trip Interruption

Transport Trailer coverage

Trip Interruption

Medical Payments

Roadside

Safety riding apparel

MOTORCYCLE INSURANCE MICHIGAN: Full Coverage Rates

Most Insurance companies charge very competitive prices for motorcycle insurance policies because they are usually not valued as high as a car or truck would be.

Some companies can only charge the minimum on a quote, which means the cost for liability could be the same as what full coverage would be, if not just a little more monthly. You should always ask your insurance agent to go over all the different coverage scenarios to see what works best for you and your wallet.

If full coverage is a matter of pennies more, why not carry it? A good insurance agent should be able to go over everything with you and answer any questions you should have.

MOTORCYCLE INSURANCE MICHIGAN: CHEAPEST insurance rates by city

Motorcycle Insurance prices differ depending upon the area that you are in. A location with a higher population generally leads to more accidents and insurance claims.

The prices will be higher in those areas depending upon the rate revision that they do every few months. Even the surrounding areas to highly populated zip codes will be more expensive in comparison to a smaller town with fewer drivers. Curious as to what the average person pays for insurance in your city? Check below to see the average cost.

MOTORCYCLE INSURANCE MICHIGAN: Best Rates

Detroit	$182
Grand Rapids city	$214
Warren city	$240
Sterling Heights	$240
Ann Arbor city	$240
Lansing city	$221
Clinton charter township	$211
Flint city	$210
Dearborn	$238
Livonia	$196
Canton	$214
Macomb	$201
Troy city	$230
Westland	$215
Farmington Hills	$176
Shelby	$211
Kalamazoo city	$196
Wyoming	$179
Rochester Hills	$177
Southfield city	$197
Waterford	$180
West Bloomfield	$189
Taylor	$216
Novi city	$232
Pontiac	$197
St. Clair Shores	$223
Royal Oak city	$221
Dearborn Heights	$224
Ypsilanti	$185
Georgetown	$215
Kentwood	$206
Battle Creek	$221
Portage city	$186
East Lansing	$210
Saginaw city	$234
Roseville	$193
Redford	$236
Chesterfield	$175
Commerce	$214
Meridian	$217
Bloomfield charter township	$220
Midland city	$218
Saginaw	$205
Orion	$218
Pittsfield	$218
Holland charter township	$214
Muskegon city	$226
Independence	$233
Lincoln Park	$195
Grand Blanc	$184
Plainfield charter township	$228
Holland city	$228
Bay City	$231
Delta	$240
Jackson	$224
Eastpointe	$188
Brownstown	$199
Bedford township	$182
White Lake	$216
Flint	$187
Madison Heights	$181
Oak Park	$238
Southgate	$218
Northville	$192
Port Huron city	$227
Burton	$206
Van Buren	$224
Washington township	$214
Delhi	$184
Allen Park	$200
Plymouth	$232
Gaines charter township	$225
Garden City	$225
Mount Pleasant	$224
Allendale	$237

MOTORCYCLE INSURANCE MICHIGAN: Laws You Need To Know

First, you must carry a Motorcycle Endorsement on your license to operate a motorcycle on public roads.

As long as you are 21 years of age, or have at least $20,000 in first- party medical benefits, or have had a MC endorsement for at least 2 years, operators and passengers are not required to wear a helmet, although it is encouraged.

Motorcycles must all have front and rear wheel breaks, headlight, tail light, stop-light, muddler, horn, rear-view mirror, and permanently attached seat.

Signaling turns is also a legal requirement. Motorcyclists are entitled to use a full lane. Motorcycles with engines smaller than 125 cc are not permitted on freeways or limited highway access.

MOTORCYCLE INSURANCE MICHIGAN: Which Companies Offer It?

Not all Insurance companies offer Motorcycle Insurance, even if they specialize in other products such as auto and home. Most reputable companies do offer Motorcycle Insurance in Michigan because it makes it easier to bundle multiple products which leads to additional savings for the customer.

Number 1 to look for when you are researching a new insurance company is their customer reviews, and overall ratings on JD Power and AMs Best. These sites rate Insurance companies based on several factors such as their customer service, claims process (payout and wait time), prices, etc.

Some smaller companies are able to offer more affordable prices, but that does not mean that they have the best service. You should also consider asking the Insurance companies which discounts they offer, and what other products they offer to get additional savings. Check below to see which companies offer Motorcycle Insurance in Michigan.

Company	Liability (average)
Geico	$117.00
Dairyland	$117.00
Progressive Insurance	$106.00

Frequently Asked Questions about Motorcycle Insurance Michigan

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Last Updated on April 23, 2024 by Amanda Moss