The Best Cheap Motorcycle Insurance in Michigan

Progressive has the cheapest motorcycle insurance in Michigan, with an average cost of $22 per month.

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Best cheap motorcycle insurance in MI

Choosing the right motorcycle insurance company means balancing price with reliable coverage. We collected hundreds of quotes from six top insurance companies across Michigan to find the best motorcycle insurance near you.

ValuePenguin analysts rated Michigan motorcycle insurance companies based on customer service, cost and coverage availability.

To find the cheapest companies, we compared quotes for a full-coverage policy. Quotes include higher liability limits than the state minimum, plus collision and comprehensive coverage. See our full methodology.

Cheapest motorcycle insurance companies in Michigan

Progressive has the cheapest full-coverage motorcycle insurance in Michigan. At $22 per month, a policy from Progressive is 42% cheaper than the state average.

The average cost of motorcycle insurance in Michigan is $38 per month, or $458 per year.

Cost of motorcycle insurance in Michigan by company

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Motorcycle insurance in Michigan is 15% more expensive than the typical cost across the country, which is around $33 per month.

Cheapest motorcycle insurance companies in Michigan

Monthly rate
Progressive logo
Dairyland logo
Harley-Davidson Insurance logo
Nationwide logo
Markel logo
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Best motorcycle insurance for most people: Progressive

  • Editor rating

  • Monthly rate

    $22 ?

Pros and cons

  • Cheapest quotes in Michigan
  • Base policies have extra coverage
  • Reliable customer service
  • No rental reimbursement or trailer coverage

Progressive is the top choice for motorcycle insurance in Michigan.

Michigan riders pay around $22 per month for a full-coverage policy from Progressive. That's $16 per month cheaper than the Michigan state average.

In addition, Progressive's base policy includes replacement cost coverage for motorcycle parts and $3,000 of custom parts protection. Most motorcycle insurance companies charge extra for these protections, but they're free for Progressive customers.

Progressive also offers a disappearing deductible. Every year you go without an accident, your motorcycle deductible decreases by 25%. This can lead to major savings if you ever get in an accident.

Progressive customers are usually happy with the service the company provides. It only gets 65% as many complaints compared to a typical company of its size, according to the National Association of Insurance Commissioners (NAIC).

However, Progressive doesn't offer rental reimbursement. So, if you're in an accident, you'll have to pay for a rental vehicle while your bike is in the shop.

Best for daily riders: Dairyland

  • Editor rating

  • Monthly rate

    $32 ?

Pros and cons

  • Offers rental reimbursement and roadside assistance
  • Cheaper-than-average rates
  • Lots of discounts
  • Poor customer service
  • Can't bundle with home insurance

If you use your bike to get to work and run errands in Michigan, you should consider Dairyland.

The company offers roadside assistance and rental reimbursement. Both are important features for daily riders.

  • Roadside assistance offers help if you have battery issues, a flat tire or mechanical problems, as well as 24/7 towing.
  • Rental reimbursement pays for a rental vehicle while your motorcycle is in the shop after an accident.

Full coverage from Dairyland costs around $32 per month in Michigan, which is 16% cheaper than average. However, it's still $10 more per month than coverage from Progressive.

Dairyland doesn't have a strong customer service reputation. The company gets 1.6 times more complaints than expected for a company its size, according to the NAIC. That means it could take Dairyland customers longer to fix their bikes after an accident.

Best motorcycle insurance for riders with military ties: USAA

  • Editor rating

  • Monthly rate

    $21 ?

Pros and cons

  • Cheapest quotes for military members
  • Basic policy includes replacement cost coverage
  • Excellent customer service
  • Only available to military members, veterans and their families

USAA is the best choice for Michigan bikers with military ties.

USAA doesn't sell its own motorcycle insurance. Instead, it partners with Progressive to offer its members excellent coverage at a discounted rate. But you must be a military member, veteran or a family member to get the discount.

USAA members get a 5% discount on Progressive motorcycle insurance rates. That brings the cost of a full-coverage Progressive policy down to about $21 per month.

In addition, motorcycle insurance from Progressive includes replacement cost coverage and $3,000 of custom parts coverage. Most other companies charge extra for these coverages.

USAA has an excellent customer service reputation. That means riders can count on the company to get them back on the road quickly after an accident. It gets fewer complaints than expected, according to the NAIC. And it consistently earns top marks on J.D. Power's claims satisfaction study.

Michigan motorcycle insurance: costs by city

Detroit has the most expensive motorcycle insurance in Michigan, at $55 per month for a full-coverage policy.

Lansing, where full coverage costs around $33 per month, has the cheapest rates among the state's largest cities.

Average cost of motorcycle insurance in Michigan by city

Monthly cost
% from average
Ann Arbor$380%
Battle Creek$35-8%
Bay City$37-2%
Brown City$36-6%
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Full-coverage motorcycle insurance rates vary by $22 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.

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 $458 a year, or $38 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 42% cheaper than average and $10 per month less 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 $10,00 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 $38 per month. That's 15% more expensive than the national average of $33 per month.


ValuePenguin gathered nearly 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; $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.

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.