Michigan Motorcycle Insurance: Costs, Laws, and Quotes
Michigan requires minimum liability coverage for all motorcycles, but with an average cost of just $658 per year, it's much cheaper than standard car insurance.
for motorcycle insurance in Michigan doesn’t have to be hard. Start by contacting a local insurance agent or going to a comparison shopping app to explore your options.
from at least 3-5 companies to make sure you’re getting the best bang for your buck on Michigan motorcycle insurance.
Average cost of motorcycle insurance in Michigan
The average annual cost for a full-coverage policy is $658 per year, or $54 per month, for motorcycle insurance in Michigan. This is above the national average.
Exactly what you’ll pay for motorcycle coverage all comes down to personal factors, such as your demographics, driving history, discount eligibility, ZIP code, and more.
Cheapest companies for full coverage Michigan motorcycle insurance
In general, you can expect higher insurance rates in Michigan—and that includes motorcycle coverage. Between high population density, a high percentage of uninsured drivers, and stringent minimum insurance laws, it can be tricky to find a policy in your price range.
Here, we’ve rounded up the average rates from four of the cheapest motorcycle insurance companies in Michigan:
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4.717k Ratings
5M+Drivers Joined
7M+Cars Garaged
Keep in mind that these estimates are for full-coverage motorcycle insurance, which is more expensive than a liability-only policy. It includes higher liability insurance limits and additional protections like
coverage and an additional $20,000 for every passenger riding helmetless.
What should a basic motorcycle insurance policy cover?
Any basic motorcycle insurance policy should meet your state’s minimum requirements—but a good motorcycle policy will need to do more than that.
Only buying your state’s minimum coverage could leave you unprotected and underinsured when it comes to the costs of an accident—and it will only cover damage you cause to others.
A good motorcycle insurance policy should cover damage to your bike from accidents, theft, and vandalism and include any custom parts and additional equipment.
When searching for the right provider, consider whether they carry any of the following:
—but a wide selection of coverage options and a long list of available discounts make up for the price.
Allstate offers everything from basic liability plans to full-coverage policies, along with add-ons like towing and labor coverage, lease/loan gap coverage, and even motorcycle and off-road vehicle transport trailer damage coverage.
Allstate extends additional coverage with the Rider Protection Package—which offers cash benefits to riders and their families in the result of serious or fatal accidents—and New Motorcycle Extended Protection for high-value investments.
Best cheap rates for everyone: Progressive
The good: Cheapest rates across the state, tons of add-ons for custom bikes
The bad: Not all discounts available in every state
AM Best rating: A+
BBB rating: A+
Jerry’s rating: 84/100
As the #1 motorcycle insurer in the country, you can’t go wrong with a
In Michigan, Progressive offers residents some of the cheapest rates across the state, and it’s an especially good pick for riders with high-value and custom bikes.
Best for frequent riders: Dairyland
The good: Add-on coverages that can benefit frequent or daily riders, lots of discounts
offers great coverage options for motorcycle owners—especially those who take their bikes out often. Among these options are 24/7 roadside assistance coverage and a diminishing deductible that goes down as long as you maintain a
, I was impressed at how their representative took care of my situation. He was so knowledgeable about my state’s insurance laws!” —Rabi B.
Methodology
In order to rate motorcycle insurance companies in Michigan, we collected public data and rated each company on four factors: (1) average cost of insurance (50% of our rating), (2) customer satisfaction as measured by the Better Business Bureau (BBB) and NAIC index (25%), (3) coverage options (20%), and (4) financial stability as measured by AM Best (5%).
4.7
