The Best Cheap Motorcycle Insurance in Michigan
Progressive has the cheapest motorcycle insurance in Michigan, with an average cost of $22 per month.
Find Cheap Motorcycle Insurance Quotes in Michigan
Best cheap motorcycle insurance in MI
How we chose the top companies
Cheapest motorcycle insurance companies in Michigan
The average cost of motorcycle insurance in Michigan is $37 per month.
Progressive has the cheapest full coverage motorcycle insurance in Michigan. At $22 per month, a policy from Progressive is 41% cheaper than the state average.
Cheapest insurance companies
Find Cheap Motorcycle Insurance Quotes in Michigan
Motorcycle insurance in Michigan is 16% more expensive than the typical cost across the country, which is around $32 per month.
Cheapest motorcycle insurance companies in Michigan
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | 4.5 out of 5 | $22 | |
| Dairyland | 1.5 out of 5 | $32 | |
| Harley-Davidson Insurance | 3.0 out of 5 | $36 | |
| Nationwide | 2.0 out of 5 | $42 | |
| Geico | 1.0 out of 5 | $51 | |
Best for most people: Progressive
Best for commuters: Harley-Davidson
Best for veterans: USAA
Michigan motorcycle insurance: Costs by city
Detroit has the most expensive motorcycle insurance in Michigan, at $47 per month for a full coverage policy.
Lansing, where full coverage costs around $31 per month, has the cheapest rates among the state's largest cities.
Average cost of motorcycle insurance in Michigan by city
City | Monthly cost | % from average |
|---|---|---|
| Ann Arbor | $37 | 2% |
| Battle Creek | $34 | -7% |
| Bay City | $35 | -4% |
| Birmingham | $37 | 0% |
| Brown City | $35 | -5% |
Full coverage motorcycle insurance rates vary by $16 per month across the largest cities in Michigan.
Cities with more traffic and higher crime rates — like Detroit, Dearborn and Southfield — tend to have higher rates. That's because insurance companies believe riders in these cities are more likely to make a claim in the future.
Michigan motorcycle insurance requirements
You must buy an insurance policy to ride a motorcycle in Michigan legally. Your policy needs to have a minimum amount of liability coverage, sometimes written as 50/100/10.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $10,000 per accident
However, you don't need to worry about hitting these limits. Insurance companies don't sell policies that don't meet the legal minimum, so any policy you buy will include enough coverage.
Unlike with standard auto insurance, Michigan doesn't require riders to have personal injury protection (PIP). In fact, PIP isn't an option for motorcycle riders in Michigan.
Insurance companies must offer medical payments coverage, though. This coverage pays your medical bills up to your chosen limit after an accident. But, unlike PIP, it doesn't cover lost wages.
Frequently asked questions
How much is motorcycle insurance in Michigan?
The average cost of full coverage motorcycle insurance in Michigan is $37 per month. Riders can find cheaper rates from Progressive, Dairyland and Harley-Davidson.
What is the cheapest motorcycle insurance in Michigan?
Progressive has the cheapest motorcycle insurance quotes in Michigan, at $22 per month for a full coverage policy. That's 41% cheaper than average and $10 per month cheaper than the second-most affordable option, Dairyland.
Do you need motorcycle insurance in Michigan?
Motorcycle insurance is required in Michigan. Riders must have a minimum of $50,000 of bodily injury liability per person and $100,000 per accident. You must also have $10,000 of property damage coverage per accident.
Is motorcycle insurance expensive in Michigan?
Yes, motorcycle insurance in Michigan can be expensive. Full coverage insurance in Michigan costs around $37 per month. That's 16% more expensive than the national average of $32 per month.
Methodology
ValuePenguin gathered over 200 motorcycle insurance quotes from the largest cities across Michigan to determine the state's average coverage cost. All quotes are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Rates are for a full coverage policy with higher liability limits than the state requirement and comprehensive and collision coverage.
- Bodily injury liability coverage: $50,000 per person and $100,000 per accident
- Property damage liability coverage: $25,000 per accident
- Collision coverage: $500 deductible
- Comprehensive coverage: $500 deductible
- All other coverages: Not included
To determine ValuePenguin editor's ratings, we consider customer service scores, coverage options, cost and the overall value a company provides its customers.
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
About the Author
Lead Writer
Matt Timmons is a Lead Writer on the insurance team at ValuePenguin, where he writes in-depth and timely pieces helping find the right coverage for them.
He's covered insurance at ValuePenguin since 2018, specializing in auto and home insurance, as well as life insurance. He's paid special attention to the EV insurance market, where prices are much higher than for gas cars.
Before he started writing about personal finance, Matt wrote about professional skills and online tools at an e-learning company.
How insurance helped Matt
During freshman orientation in college, Matt's iPod was stolen off his table while he was eating lunch. Luckily, he'd bought a college insurance plan the day before and he had money to buy a replacement before classes started.
Expertise
- Auto insurance
- Home insurance
- Insurance rate analysis
- Life insurance
Referenced by
- CNBC
- Miami Herald
- Yahoo! Finance
Education
- BA, Wesleyan University
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
