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.
Written by Kathryn Kurlychek
Reviewed by Bellina Gaskey
On average,
motorcycle insurance
costs $658 per year in
Michigan
. That’s $11 more per month than the national average (around $519 per year).
  • Strict insurance minimums and laws contribute to above-average rates for motorcycle insurance in Michigan.
  • Allstate and Progressive are among the best insurance companies for motorcyclists in the Great Lakes state.
  • If you own a high-value bike or have violations, you may need to shop around to find the right coverage.

How to find cheap motorcycle insurance quotes in Michigan

Finding the
cheapest quotes
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.
It’s best to
compare rates
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: 
Insurer
Average annual rate for full coverage
$376
$380
Markel
$644
Harley-Davidson
$494
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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
comprehensive coverage
and
collision coverage
.

Are motorcycles cheaper to insure than cars?

Yes. Despite a higher average cost than in other states, insuring your motorcycle in Michigan will still run you less than insuring your car. 
The average cost of car insurance in Michigan is $2,609 annually for liability-only coverage (about $217 per month). For
full-coverage car insurance
, Michigan residents pay $2,767 a year on average.

Michigan motorcycle insurance coverage requirements

Michigan motorcycle insurance requirements include:
Unlike with car insurance, motorcyclists are not required to carry any
personal injury protection (PIP)
. However, riders who hit the roads without a helmet need to carry a minimum of $20,000 in
medical payments (MedPay)
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:
Whether you’re recently licensed or an experienced rider, it’s worth investing in the right protection for yourself and your bike. 

The best companies for Michigan motorcycle insurance

If you’re searching for the best motorcycle insurance in Michigan, try gathering quotes from the following recommended companies.

Best all-around coverage: Allstate

The good: Specialized protection for motorcyclists, tons of coverage options
The bad: More costly than competitors
AM Best rating: A+ (Superior)
BBB rating: A+
Jerry’s rating: 91/100
You won’t find the cheapest rates with
Allstate
—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
Progressive
motorcycle insurance policy. 
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
The bad: Low customer service ratings
AM Best rating: A+
BBB rating: A+
Jerry’s rating: 82/100
Dairyland
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
clean driving record
They also offer a ton of discounts, especially for Harley-Davidson owners and members of motorcycle clubs

Best for safe riders: GEICO

The good: Affordable rates, superior financial stability
The bad: Limited selection of add-ons
AM Best rating: A++ (Superior)
BBB rating: A+
Jerry’s rating: 85/100
GEICO motorcycle insurance covers the same things as
GEICO auto insurance
, with just a few extra options for motorcycle riders. These are accessories coverage, helmet coverage, and emergency roadside assistance. 
As with its auto insurance policies, the company also rewards safe riders with extra discounts and the possibility of free accident forgiveness. 
“When using
Jerry
, 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%). 
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