This page will cover all you need to know about Michigan motorcycle insurance requirements.
In most states, liability insurance is required in order to register and ride your bike on public roads. And additional, optional coverages can help protect you and your motorcycle in the event of a collision, theft, or other damage.
We’ll cover all that and more below.
When you’re ready to save money, you can start comparing insurance quotes from the best motorcycle insurance companies right here at MotorcycleZombies.com.
Do you need motorcycle insurance in Michigan?
Yes, a motorcycle insurance policy with at least the minimum liability coverage is required to register and ride a motorcycle in the state of Michigan.
You’ll typically need to present proof of insurance when you register your motorcycle, maintain coverage throughout the entire registration period, and carry proof of insurance when you ride.
If you’ve financed your motorcycle, your lender will usually require you to carry both the state’s minimum liability coverage as well as comprehensive and collision coverage.
Michigan Motorcycle Insurance Laws
Michigan’s motorcycle insurance laws dictate that you must maintain the minimum liability coverage limits for the duration of each registration period.
You must also be able to provide proof of insurance when you ride and when requested to do so by the Department of Motor Vehicles.
Liability coverage kicks in when you are at fault for a collision or found liable in an accident that results in injuries or property damage.
Liability coverage includes limits per person, per accident, and separately for property damage liability.
In Michigan, the minimum liability coverage limits are as follows:
- Bodily injury liability limit per person: $20,000
- Bodily injury limit per accident: $40,000
- Property damage limit per accident: $10,000
You’ll often see the Michigan liability limits written as: 20/40/10 (bodily injury per person, per accident/total, and property damage liability).
When you start comparing motorcycle insurance quotes, the insurance provider will make sure that you select a policy that meets your state’s minimum requirements.
From there, you’ll be able to add additional coverage to protect your bike and yourself regardless of who is at fault and for events other than collisions and accidents.
Additional types of coverage you can add to your policy include:
- Comprehensive coverage (covers theft, vandalism, damage from weather/falling objects, etc.)
- Collision coverage (covers your bike regardless of fault).
- Uninsured motorist coverage.
- Medical payments or personal injury protection.
- Accessories and optional equipment coverage.
- Total loss coverage (pays replacement costs of the full manufacturer’s MSRP if your new bike is totaled).
- Roadside assistance.
How much is motorcycle insurance in Michigan?
The average cost of motorcycle insurance in Michigan depends on a variety of factors.
The factors that go into determining the cost of your Michigan policy can be broken down into a few main categories:
- Your demographics and riding experience.
- The type of motorcycle you have.
- The type of coverage you need.
In Michigan, the average annual cost of a full coverage policy is about $950.
A minimum liability coverage policy in Michigan typically starts at about $75 to $240 per year, or about $7 to $20 per month.
Remember, there’s a lot that goes into your insurance policy premiums. Start comparing quotes today to get the best rates for you.
Is motorcycle insurance cheaper than car insurance in Michigan
In most cases, a Michigan motorcycle insurance policy will be cheaper than an auto insurance policy.
However, this is more of a general rule rather than a guarantee.
Premiums may be higher for motorcycle riders who opt for higher limits and additional coverages on their bike.
Michigan ZIP Codes with the Lowest Insurance Rates
Where you live can play a role in determining how cheap or expensive your motorcycle insurance coverage will be.
In general, it’s cheaper to insure your bike if you live in a less populated, more rural area compared to a densely populated city or urban area.
In Michigan, 49126 in Sodus has some of the most affordable motorcycle insurance rates on average.
Conversely, 48226 in Detroit has some of the most expensive motorcycle insurance rates.
But, location is not the only factor that goes into your premiums. Learn more about some of the other things that affect your rates below.
What factors go into the cost of Michigan motorcycle insurance?
The cost of your motorcycle insurance policy will depend on a variety of factors.
Some of the main ones include:
- Your age.
- How long you’ve had your Michigan motorcycle license.
- Your driving record.
- Where you live.
- How often you ride.
- Whether you ride for commuting or for pleasure.
- The type of bike you have and the value of it.
- The type of coverage you select.
For example, a more experienced rider who rides a Honda Goldwing primarily on weekends may have a cheaper policy than a young, inexperienced rider who commutes to work on a brand new Harley-Davidson.
How to Get the Cheapest Motorcycle Insurance Policy in Michigan
Getting the right Michigan motorcycle insurance policy should be a balance of the best price and the coverage you need.
The best way to save money on your motorcycle insurance premiums is to compare quotes from a few different providers.
You’ll be able to quickly see which provider can offer you the lowest rates for the coverage you need.
As a rule of thumb, you should be comparing quotes at least twice a year, right before you need to renew your policy.
You can also lower the cost of your motorcycle insurance premiums if you qualify for discounts.
Some of the common motorcycle insurance discounts include:
- Safe rider discounts.
- Multi-policy and bundling discounts.
- Motorcycle Safety Course discounts.
- Motorcycle Club discounts.
- Pay-in-full discounts.
Learn More About Motorcycle Insurance
Whether you ride a cruiser, a sportbike, a trike, or a scooter, it’s important to know about your motorcycle insurance requirements and options.
We’ve compiled the information you need to learn all about the right types of coverage for your ride and to answer some of the most common questions we get about motorcycle insurance.
Check them out at the links below:
Find these and more related topics in our motorcycle insurance section.