The Best Cheap Motorcycle Insurance in Michigan

Choosing the justly motorbike policy caller means balancing affordability with dependable coverage. After collecting hundreds of quotes and analyzing indemnity companies across Michigan, the cheapest motorcycle insurance in Michigan comes from Progressive and costs $702 per year .
The modal monetary value of motorcycle insurance in Michigan is $ 953 per year, or $ 79 per calendar month .

Compare Motorcycle Insurance Quotes in Michigan

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Best motorcycle insurance for most people: Progressive

ProgressiveGet a Quote Progressive ‘s humble prices and range of coverage make it the best choice for motorcycle policy in Michigan. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock in ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/progressive-2 ”, ” description ” : ” Progressive ‘s abject prices and scope of coverage make it the best choice for motorcycle insurance in Michigan. “, ” details ” : [ ], ” disavowal ” : ” ”, ” featuredTitle ” : ” ”, ” liaison ” : ” hypertext transfer protocol : \/\/\/zero-click.html ? cu=https : \/\/\/auto\/ & carrier=Progressive ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” name ” : ” Progressive ”, ” hideBanner ” : false, ” hideDescription ” : delusive, ” hideDetails ” : true, ” hideDisclaimer ” : false, ” hideTitle ” : dependable, ” title ” : ” Progressive ” }
The good:

  • The best price we found among Michigan motorcycle insurers.
  • Base policies have generous extras.
  • Bundling discounts.

The bad:

  • Good, but not the best customer service.
  • No rental reimbursement or trailer coverage.

progressive is our top choice for motorbike indemnity in Michigan. We were impressed by its low-cost rates, generous foundation coverage options and wide-eyed array of available discounts .
The average annual rate for motorcycle policy we found from Progressive was $ 702, 26 % less than the typical price in Michigan. This makes Progressive the cheapest motorcycle insurance supplier in the state .
Motorcycle riders who besides own a car can save even more by bundling their car and motorbike policies together .
Progressive ‘s base policy includes a few benefits that early insurers sometimes charge more for : surrogate cost coverage for motorcycle parts and $ 3,000 of custom-made parts protection. Most motorbike indemnity companies charge extra for these protections, but they ‘re spare for progressive customers .
additionally, Progressive offers a vanish deductible. For every year you go without an accident, your motorbike deductible measure decreases by 25 %. This can lead to meaning savings if you ever get in an accident .
Progressive ‘s customer service is good, but not industry-leading. The National Association of Insurance Commissioners ( NAIC ) gave it a Complaint Index of 0.76. This means that it receives 76 % as many complaints as a typical company of its size. other competing insurers had scores a low as 0.63 .

Best customer service: Allstate

AllstateGet a Quote Allstate has a broken rate of customer complaints, along with an impressive tilt of coverage and dismiss options. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/allstate-3 ”, ” description ” : ” Allstate has a depleted rate of customer complaints, along with an impressive list of coverage and deduction options. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” radio link ” : ” hypertext transfer protocol : \/\/\/zero-click.html ? cu=https : \/\/\/auto-insurance.aspx & carrier=Allstate ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” name ” : ” Allstate ”, ” hideBanner ” : false, ” hideDescription ” : fake, ” hideDetails ” : true, ” hideDisclaimer ” : false, ” hideTitle ” : true, ” deed ” : ” Allstate ” }
The good:

  • Highly rated customer service.
  • Lots of coverage options and discounts.

The bad:

  • Expensive prices.

Motorcyclists who value a bang-up customer military service experience above all else should consider Allstate. It has the best customer service of any company we looked at in Michigan, though it comes at a cost — with the highest rates we found .
Allstate has a low NAIC Complaint Index — 0.63. This means it received alone 63 % as many complaints as a typical caller of its size .
We were very impress with the range of discounts Allstate offers, including savings for holding multiple policies, paying in broad and having base hit features on your motorcycle .
however, Allstate was the most expensive ship’s company we surveyed, with an annual rate of $ 1,129. That ‘s $ 176 per year more expensive than the state average, and $ 427 more expensive than the cheapest option .

Best for daily riders: Dairyland

DairylandGet a Quote Riders who use their bicycle as a basal modality of transportation get several utilitarian coverages with Dairyland. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/dairyland-2 ”, ” description ” : ” Riders who use their motorcycle as a primary mood of transportation get respective utilitarian coverages with Dairyland. “, ” details ” : [ ], ” disavowal ” : ” ”, ” featuredTitle ” : ” ”, ” associate ” : ” hypertext transfer protocol : \/\/\/zero-click.html ? cu=https : \/\/\/ & carrier=Dairyland % 20Insurance ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” diagnose ” : ” Dairyland ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : delusive, ” hideTitle ” : truthful, ” title ” : ” Dairyland ” }
The good:

  • Offers rental reimbursement and roadside assistance.
  • A good set of discounts to help lower costs.

The bad:

  • Poor customer service ratings.

If you use your motorcycle to get to work and ride about town in Michigan, you should look into Dairyland. The ship’s company offers respective features that appeal to the casual rider .
wayside aid provides overhaul for events such as battery issues, a categoric tire or mechanical problems, a well as 24/7 tow. rental reimbursement provides money to rent a vehicle for up to 30 days while your motorbike is being repaired .
If you do n’t have another fomite, that combination can prove valuable if something goes amiss on the road .
Although Dairyland is much on the more expensive side among motorbike policy companies, that ‘s not the case in Michigan. Its annual rate of $ 962 per year was merely $ 9 more per year than the state average .
however, the company does not have a strong customer service reputation, with a score of 2.69 on the NAIC Complaint Index. That means the company gets 169 % more complaints than expected for a caller its size, a sign the party does not leave customers a satisfied as it could .

Affordability: finding cheap motorcycle insurance in Michigan

Finding an low-cost motorbike policy rate can save you hundreds of dollars per class. We collected quotes from across Michigan to find the cheapest option for Michigan riders .
The average cost for motorcycle insurance in Michigan is $953 for full coverage. This is more expensive than the typical cost across the country, which is around $ 721 per year .
Bar chart comparing the costs of motorcycle insurance in Michigan

Compare Motorcycle Insurance Quotes in Michigan

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Annual cost

Difference from state average

Progressive $702 -26.3%
State average $953 0.0%
Dairyland $962 1.0%
Geico $1,018 6.8%
Allstate $1,129 18.5%

The cost of motorcycle policy varies importantly based on factors about you and your riding history. This includes things like where you live, what type of motorbike you own, how long you ‘ve been riding a motorbike and whether you ‘ve recently been responsible for a crash or traffic irreverence. We gathered quotes for a 45-year-old homeowner with 20 years of motorbike experience who rides a 2021 Harley-Davidson FLHX Street Glide .
We do n’t recommend policy shoppers just opt for the cheapest prices, nor do we recommend that riders choose the legal minimum for coverage. You should buy enough coverage to protect yourself if you or person else is injured in an accident, while staying within your policy budget .
Our selected levels of coverage were :

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000 per accident
  • Collision coverage: Included/$500 deductible
  • Comprehensive coverage: Included/$500 deductible
  • All other coverages: Not included

Coverage options: comparing motorcycle insurance policies and benefits

The insurers we evaluated all offer coverage sufficient to meet the legal minimal for indemnity in Michigan. But the kind and utility of an insurance company ‘s extra coverages can set it apart. This includes things like OEM parts coverage and rental reimbursement. here ‘s how the coverage options of our top choices stack up .

Insurance provider

Replacement cost coverage

OEM parts replacement

Custom parts

Roadside assistance

Rental reimbursement

Allstate X X
Dairyland X X X X X
Geico X
Progressive X† X X† X

Customer service: evaluating insurer quality in service and claims

To determine which motorcycle indemnity company in Michigan has the best service, we used several data sources including the National Association of Insurance Commissioners Complaint Index and AM Best ‘s Financial Strength Rating. Below, see the customer service and stability ratings for the top motorbike indemnity companies in Michigan .


NAIC Complaint Index


Allstate 0.63 A+
Dairyland 2.69 A+
Geico 0.70 A++
Progressive 0.76 A+
USAA 0.98 A++
  • NAIC Complaint Index: This score represents the number of complaints an insurance company has received relative to its size. A score of 1.0 is the average number of complaints, and a lower score is better. An insurance company’s NAIC Complaint Index includes complaints pertaining to both motorcycle and automobile insurance.
  • AM Best Financial Strength Rating: This score provides a holistic evaluation of an insurance company’s financial strength and its ability to pay out insurance claims, even in times of high demand (such as after a natural disaster) or economic downturn.

Michigan motorcycle insurance: Costs by city

In accession to an overall statewide average, we besides determined the modal cost of insurance on a per-city footing for major locations in Michigan. Use the table below to see how your motorcycle rates compare to those of your neighbors .


Annual rate

Difference from state average

Ann Arbor $906 -4.89%
Battle Creek $829 -13.03%
Bay City $881 -7.57%
Birmingham $949 -0.40%
Brown City $872 -8.53%
Dearborn $1,409 47.86%
Detroit $1,625 70.51%
Ferndale $1,011 6.11%
Flint $942 -1.14%
Grand Blanc $878 -7.87%
Grand Rapids $943 -1.06%
Holland $877 -7.97%

Show All Rows If you ‘d like to see how motorbike indemnity rates in Michigan compare to prices nationally, take a look at ValuePenguin ‘s nationally report of the price of motorcycle insurance .

Michigan motorcycle insurance requirements

In order to legally ride a motorcycle in Michigan, you need to buy a motorcycle insurance policy that satisfies the minimum coverage amounts :


Required limits

Bodily injury liability $20,000 per person/$40,000 per accident
Property damage liability $10,000 per accident

however, you do n’t need to worry much about hitting these limits in practice. policy companies do n’t sell policies that do n’t satisfy the legal minimum, so any policy you buy will include sufficient coverage .

Frequently Asked Questions

How much does motorcycle insurance in Michigan usually cost?

We found the average cost of coverage for riders in Michigan was $ 953 a year, which is equal to $ 79.42 a month. It ‘s possible to get coverage for less than average by leaving out sealed benefits, such as collision and comprehensive examination coverages. however, doing that means you ‘ll have to pay out of your own pouch if your bicycle is damaged while parked or in an accident that you cause. Read more

Is motorcycle insurance required in Michigan?

Motorcycle policy is required in Michigan, but certain types of coverage are optional. As with car insurance, the submit requires riders to have indebtedness policy in ordering to cover the costs of early motorists who are not at blame in an accident. This means that the more expensive collision and comprehensive coverages — while utilitarian and worthwhile — are optional. Read more

How do you get a motorcycle license in Michigan?

In Michigan, a motorcycle license is n’t separate from a regular driver ‘s license. rather, it ‘s an endorsement that anyone who ‘s permitted to drive a cable car can apply for. That means you ‘ll need to be 16 or older and have passed your driver ‘s license test before you can apply. There are two main ways to get your motorcycle license : a state-approved educate course or practicing on your own followed by a road test.

Training class: Take a state-approved discipline class. These courses cover the basics of riding a motorcycle safely and all the relevant laws. You ‘ll receive a completion certificate that you can take to the DMV, where you ‘ll take an eye examination and receive your license. If you ‘re under 18 years previous, you have to take this course to get a motorcycle endorsement .
Learn on your own: If you know an feel rider, you can have them teach you. however, you ‘ll first need to go to the DMV to take a written examination. You ‘ll besides need to go back to the DMV to take a road test, merely like you would for a driver ‘s license .


We gathered over 100 motorcycle insurance quotes from across Michigan to determine the modal price of coverage in the express. All quotes are for a 45-year-old male rider of a 2021 Harley-Davidson FLHX Street Glide. Our rider is a married homeowner who has been riding motorcycles for 20 years. other riders ‘ rates may vary .

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