Michigan motorcycle insurance

Illustration of the Porcupine Mountains in Upper MichiganIllustration of the Porcupine Mountains in Upper Michigan

Michigan is home to some of the most picturesque motorcycle routes in the country. Nicknamed the Great Lakes State because it sits perfectly between four of the Great Lakes, Michigan features more than 3,200 miles of shoreline—more than California and Florida, and second only to Alaska.

Along with picturesque shorelines, there are many attractions to visit throughout the state, including amusement parks, lighthouses, wineries, breweries, and museums. Just make sure you’re covered with the right motorcycle insurance before you begin your ride.

What’s required of all motorcycle riders in Michigan?

The Michigan Department of Insurance states the following:

Anyone operating a motorcycle in Michigan must purchase liability coverage through a licensed insurer. Motorcycle insurance is not the same as the no-fault (PIP) benefits Michigan residents must buy to operate an automobile. Motorcycles are specifically excluded as a motor vehicle under Michigan's no-fault law. They are not entitled to no-fault benefits except in certain circumstances.

In Michigan, a motorcycle is defined as a vehicle with a saddle or seat, no more than three wheels, and a motor that exceeds 50cc. This definition doesn’t include mopeds or off-road vehicles.

Michigan motorcycle helmet law requirements

Under Michigan law, a rider must wear a helmet unless they have at least $20,000 in medical benefits coverage.

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Planning a Michigan road trip?

Get your motorcycle in ride-ready condition.

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What are the minimum motorcycle insurance requirements in Michigan?

You must meet these minimum requirements to ride legally in Michigan:

  • $50,000 for bodily injury liability per person

  • $100,000 for bodily injury liability per incident

  • $25,000 for property damage liability per incident

Because an accident can yield greater costs than minimum insurance coverage provides, you may be forced to pay out of pocket for a loss. Choosing to carry higher limits can help protect you and those around you.

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Sharing the ride with a passenger?

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Are optional motorcycle coverages available in Michigan

Yes—you can choose from several optional coverages beyond minimum liability coverage, including:

Roadside assistance

This coverage can provide 24/7 assistance if you need repairs, supplies, or towing services out on the road

Comprehensive and collision

These coverages can help protect you financially if your bike is damaged.

Physical Damage Plus

Physical Damage Plus allows you to get original equipment manufacturer parts for repairs, as well as the replacement cost of optional equipment in the event of a total loss.

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The factors behind your insurance rates

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How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

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Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

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Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

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Select the coverages you want.

Motorcycle insurance policy discounts available in Michigan

We believe insurance should be as customizable as your bike. Our experienced insurance agents will work with you to help ensure you receive the best value on your coverage with a wide selection of money-saving motorcycle insurance discounts, including: 

  • Claim-free renewal

  • Harley Owners Group (H.O.G.) member

  • Homeowner

  • Multi-line

  • Operator safety courses 

  • Paid-in-full

  • Rider group

Contact us for a free Michigan motorcycle insurance quote to discover the savings opportunities you can take advantage of.

Sites to see in Michigan

Tunnel of Trees

The Tunnel of Trees gets its name from the forest's canopy, where the branches have woven themselves together to form a tunnel through the varying tree species. Along the route, breaks in the trees allow you to glimpse Lake Michigan. In autumn, you'll be amazed by the magnificent leaf color. In spring, meanwhile, you'll find fields of trillium flowers. And finally, the shade of the trees provides a refreshing respite from the summer sun.

Michigan's East Coast cruise

This great route hugs the Lake Huron shore as it makes its way up the coast towards the state’s Upper Peninsula. Not only will the scenery keep you smiling, but the pretty little resort towns will give you plenty to enjoy.

Michigan's Upper Peninsula

Enjoy riding Michigan's Upper Peninsula for over 1,000 miles on this scenic journey along the Lake Superior shore and through vast stands of maple trees. There are plenty of opportunities for frequent stops as well, with waterfalls, lighthouses, and small towns full of friendly locals dotting the route. This is an excellent summer trip, as you can experience daylight as late as 10 p.m.

Want to explore Michigan off the beaten path? We have coverage options for your ATVs, UTVs, dirt bikes, and snowmobiles.

Get a Michigan motorcycle insurance quote

Before you get on the road for your Michigan adventure, make sure you're covered with motorcycle insurance. Just enter your information below for your free quote.

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