Michigan motorcycle insurance

What are the minimum requirements for motorcycle insurance in Michigan?

Michigan motorcycle law requires all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries and property damage you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, to more fully protect your assets. It's important to note that property damage liability coverage doesn't cover damage to your own bike.

Do you need comprehensive and collision coverage?

Unless you're taking out a loan or lease for your motorcycle, comprehensive motorcycle coverage and collision motorcycle coverage are optional. But we understand how important it is for many motorcycle owners to protect their bike, and they may want to safeguard it against physical damage. Comprehensive coverage may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Michigan?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Michigan with liability coverage only was $242.85.^* Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

What's the best motorcycle insurance in Michigan?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Detroit, Grand Rapids, Warren, or anywhere else in Michigan, the best motorcycle insurance features reliable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Michigan for bikers that delivers the crucial protection you count on for peace of mind every time you ride.

You can lower the cost of motorcycle insurance in Michigan with motorcycle insurance discounts, such as:

• Multi-policy discount
• Motorcycle license/endorsement discount
• Responsible driver discount
• Safe and steady rider discount
• Paid in full discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Michigan

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

• Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
• Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
• Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
• Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
• Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
• Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Michigan

1. Michigan motorcycle law states that helmets must be worn by all operators and passengers under the age of 21. However, you're not required to wear a helmet if you have a motorcycle endorsement for at least two years or have passed an approved motorcycle safety course.
2. If you operate a three-wheeled motorcycle and obtain a motorcycle endorsement in Michigan, you're restricted to use of that type of motorcycle and not permitted to operate a two-wheel motorcycle.
3. To legally operate a motorcycle in the state of Michigan, you must have a motorcycle endorsement in addition to your Michigan driver's license.

Get Michigan motorcycle insurance