Is motorcycle insurance required in Michigan?

If you're riding in Michigan, consider motorcycle insurance coverage from Progressive. Learn more about common coverages, and see how you can save money on your Michigan motorcycle insurance from Progressive.

6 min to read

What are the motorcycle insurance requirements in Michigan?

Like most states, Michigan requires all motorcyclists to carry liability coverage for bodily injury (BI) and property damage (PD). This type of coverage pays for damages you cause to others and their vehicles but doesn't cover damage to you or your motorcycle, no matter who caused the accident. Michigan motorcyclists must meet the following minimum coverage limits:

  • $50,000 in bodily injury per person
  • $100,000 in total bodily injury per accident
  • $10,000 in property damage per accident

Motorcyclists should note that Michigan's no-fault legislation does not include motorcycles. Therefore, they are not required to carry Personal Injury Protection (PIP) or Property Protection (PPI) coverage like Michigan drivers are. However, they must carry at least $20,000 in medical payments coverage if they ride without a helmet.

Similarly, the motorcyclist must have at least $20,000 in medical payments coverage for each passenger who rides without a helmet if the passenger doesn't have medical payments coverage.

You can save big money when you bundle policies with Progressive. Motorcycle customers save an average of 7% when they bundle. Use our online tool to get a motorcycle insurance quote in minutes.

What's included in Progressive motorcycle insurance in Michigan?

If something happens to your ride, Progressive motorcycle policies provide physical damage protection that restores your bike to the condition it was in before the accident, even if you have modifications or custom gear. We repair motorcycles with the same parts without depreciation. Physical damage protection includes OEM (original equipment manufacturer) parts if your bike has original equipment and custom parts if you have custom equipment.

Our policies also come with accessories coverage (sometimes called custom parts/equipment or CPE). Accessories coverage protects any upgrades, accessories, or custom work you may have. Basic policies carry a minimum of $3,000 of accessories coverage, but you can customize the policy with up to $30,000 in coverage depending on how much you've customized the bike.

Comprehensive and collision coverage

Our policies meet Michigan's motorcycle insurance requirements for BI/PD coverage. However, Michigan law does not require comprehensive coverage, that can pay for damages resulting from factors beyond your control (weather, theft, etc.) or collision coverage. Collision coverage pays for damages to your vehicle that result from collision, regardless of fault and even if no other drivers were involved.

Uninsured/underinsured motorist coverage

Our other standard motorcycle insurance coverages also include uninsured/underinsured motorist (UM/UIM), which can protect you if you're involved in a crash with a driver who isn't carrying sufficient insurance. Remember that a minimum of $20,000 in medical payments coverage is required if you plan to ride without a helmet.

Learn more about uninsured motorist coverage for motorcycles.

Other motorcycle coverages available in Michigan

Customers who want more protection can customize their policy with other optional coverages, including:

Medical payments can pay for injuries that either you or your passenger sustain, regardless of fault.

Total loss coverage pays the full replacement cost of a new motorcycle without depreciation (minus deductible) in the case of a total loss, if the bike is no more than one model year old on a new policy or two years old on a renewal.

Roadside assistance covers the cost of towing your bike to the nearest mechanic while trip interruption protection can cover costs like hotel or transportation if you're away from home.

Carried contents and personal belongings protects any personal effects you're carrying when a covered loss occurs, including theft.

Enhanced injury protection pays up to $250 a week for as long as two years if you're injured and unable to work due to a covered accident.

Learn more about the available motorcycle insurance coverages.

How much is motorcycle insurance in Michigan?

Insurers calculate your rate based on factors like your age, sex, driving history, location, coverage limits, and the type of motorcycle you drive. Based on Progressive’s pricing, Michigan is an expensive state for motorcycle insurance, and Michigan bikers should expect to pay more than the national average. Motorcycle insurance quotes for Michigan can provide an accurate picture of how much it will cost you.

Learn more about motorcycle insurance costs.

Where to find cheap motorcycle insurance in Michigan

Progressive's customizable coverage limits and affordable rates are a big part of why we're the country's #1 motorcycle insurance provider. We protect nearly one-third of all insured motorcycles on the road. If you're looking for the best Michigan motorcycle insurance, our customizable policies can get you covered at a price you can afford. Some of our motorcycle insurance discounts include:

  • Responsible driver
  • Multi-policy
  • Association member
  • Safety course
  • Motorcycle endorsement

Learn more about motorcycle insurance discounts.

Pro tip:

With our physical damage protection, we get your bike back the way it was before the accident, even if you had custom equipment — no matter what other coverages you have. Combine that protection with customized coverage for protection that's perfect for you.

How to get motorcycle insurance in Michigan

Online

We'll ask you a few simple questions, then you choose your coverages.

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Call a rep

You'll speak with a licensed representative who will guide you through everything.

Call 1-866-749-7436

Through an agent

If you want local advice, we'll connect you with a licensed, independent agent near you.

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Enjoy life on two wheels with motorcycle insurance from Progressive

Learn more about our motorcycle insurance offering.