Who Has The Cheapest Motorcycle Insurance Quotes In Michigan?

To see who in Michigan had the best motorcycle insurance rates, we gathered quotes from four major carriers for a sample 45-year-old male rider. The policy quoted included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. Our analysis showed the most expensive carrier for our sample policy cost 1.5x the cheapest motorcycle insurer in Michigan.

Cheapest Motorcycle Insurance in Michigan

We conducted a study to show which companies generally had the best motorcycle insurance rates in Michigan. The study included quotes from four major carriers: Markel, Progressive, GEICO and Dairyland, all of which are considered to be among the best motorcycle insurance companies. The graph below includes the average premium quoted by each carrier for our sample policy and rider, along with the state average. The company with the lowest motorcycle insurance rates in Michigan was Markel, which quoted our sample policy to be $575 on average. The average rates quoted by Progressive and GEICO were $760 and $779, respectively –- only slightly higher than Michigan's overall average. Dairyland had the highest average quote of $869 which is 51% higher than the cheapest (Markel's average).

The company with the best motorcycle insurance rates for a sample rider and policy in Michigan was Markel, according to a study of major carriers in the state by ValuePenguin.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Best Motorcycle Insurance Rates In Michigan: by City

We gathered motorcycle insurance quotes for some of the most populous cities in Michigan to see which ones had the best rates. The findings were similar to others across the country. Generally, large cities and metropolitan areas have higher motorcycle insurance rates and this held true in Michigan. Detroit, the state's largest city, quoted rates for our sample policy and rider that were more than 2x the state average. However, other large cities had modestly higher rates. Grand Rapids, Ann Arbor and Flint all had quotes within 6% of the Michigan average. Even though Lansing is one of the largest cities in the state, quotes there were actually 1% below the state average.

Rank

CityAverage Annual Rate% Difference vs State Average
1Detroit1,538107%
2Grand Rapids7825%
5Lansing735-1%
6Ann Arbor7876%
7Flint7886%

*The Average Annual Rate is rounded to the nearest whole dollar amount. The rankings reflect the population of the city in the state.

Detroit, MI

The place with the most expensive motorcycle insurance rates in Michigan by far was Detroit, the state’s largest city. Detroit has more than 680,000 residents and is known for its history of manufacturing, music and sports teams. Quotes for our sample policy and rider were 107% higher than the state average.

Grand Rapids, MI

The second largest city in Michigan is Grand Rapids. It is the largest city in western Michigan, with nearly 200,000 residents, and is at the center of a metropolitan area with more than 1.3 million people. The city and the suburban sprawl of surrounding communities form a diverse local economy. Motorcycle insurance rates in Grand Rapids were 5% higher than the state average.

Lansing, MI

Michigan's capital is centrally located in the state and has roughly 115,000 residents. It is well-known as a hub of higher education, with two medical schools, a veterinary school, two nursing schools and two law schools – many of which are affiliated with Michigan State University. In Lansing, motorcycle insurance quotes were 1% lower than the Michigan average, which is uncommon for a large city.

Ann Arbor, MI

Ann Arbor has about 113,000 residents and is part of a metropolitan area with more than 344,000. The University of Michigan moved from Detroit to Ann Arbor in 1837 and the city rapidly grew around it. The University of Michigan is one of the foremost schools in the country and research and techonology there has also attracted many companies to Ann Arbor. Motorcycle insurance rates there were only 6% higher than the state average.

Flint, MI

Northwest of Detroit is the city of Flint, which is home to more than 100,000 residents. For decades, it was home to automobile manufacturers but it has since struggled financially. Buick and Chevrolet were both founded in Flint. The city's motorcycle insurance rates were 6% higher than the Michigan average.

Most Expensive Motorcycle Insurance In Michigan

The five places with the most expensive motorcycle insurance rates in Michigan were all nearby and included the state's largest city, Detroit. We've see similar trends in other states -- larger cities and their surrounding suburbs frequently have more expensive motorcycle insurance premiums than other places. Detroit itself had the most expensive rates, where quotes for our sample property were more than 2x the state average.

Rank

CityAverage Annual Rate% Difference vs. State Average
1Detroit$1,538107%
2Pontiac95829%
3Dearborn90121%
4Southgate89020%
5Mount Clemens88619%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Pontiac, MI

The city of Pontiac is about 30 miles northwest of Detroit and home to more than 60,000 residents. The NFL’s Detroit Lions played at the Pontiac Silverdome from 1975 to 2002, when the team moved back to downtown Detroit. The city is known for its annual Arts, Beats and Eats festival that features exactly what the name implies. Motorcycle insurance rates in Pontiac were 29% higher than the Michigan average.

Dearborn, MI

Dearborn is a suburb of Detroit but it’s also home to the world headquarters of the Ford Motor Company. The city has more than 95,000 residents and 40,000 of them are Arab, which led to the city becoming the home of The Arab American National Museum. Motorcycle insurance premiums in Dearborn were 21% higher than the state average.

Southgate, MI

Southgate is south of Detroit and another suburb of Michigan’s largest city. The suburb is full of middle-class families and has about 30,000 residents. The Southland Center (formerly called Southgate Shopping Center) opened in 1957 and is still a popular place and frequented by locals. Motorcycle insurance rates in Southgate were 20% higher than the state average.

Mount Clemens, MI

North of Detroit alongside the Clinton River is the city of Mount Clemens. The suburb of Detroit has about 17,000 residents and is known for its arts and culture. It was well known for its mineral baths that attracted many famous visitors throughout the early 20th century, including Clark Gable, Babe Ruth and the Vanderbilt family. Motorcycle insurance rates in Mount Clemens were 19% higher than the state average.

Average Motorcycle Insurance Rates in Michigan: by City

This comparative study of motorcycle insurance premiums in Michigan was done by gathering and analyzing quotes from five major carriers across 124 municipalities and census-designated places. Our analysis showed premiums quoted for the most expensive place were more than 2x as expensive as the cheapest.

A ValuePenguin study found the average cost of motorcycle insurance for a sample policy and rider in Michigan was $744.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Michigan Motorcycle Insurance Requirements

Michigan motorcycle riders are all required to carry liability coverage. This covers damage to other motorists' property, that you might be responsible for in the event of an accident. Below, we've broken down the required motorcycle insurance coverages in Michigan.

Coverage Type

Required Minimum Coverage
Bodily Injury Liability$20,000 per person / $40,000 per accident
Property Damage Liability$10,000 per accident

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 124 municipalities and census-designated places in the state of Michigan. The quotes we gathered were from four major carriers: Progressive, GEICO, Dairyland and Markel. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

Rank

CityAverage Annual Rate% Difference vs. State Average
41Allegan$706-5%
9Alpena662-11%
95Ann Arbor7876%
51Bad Axe716-4%
55Baldwin717-4%
87Battle Creek7815%
85Bay City7774%
16Bellaire670-10%
118Belleville86416%
36Benton Harbor699-6%
42Berrien Springs706-5%
68Big Rapids732-2%
99Birmingham7916%
50Blissfield708-5%
1Boyne City661-11%
14Brimley667-10%
35Brooklyn698-6%
38Brown City704-5%
64Caro722-3%
43Cassopolis706-5%
79Cedar Springs7420%
17Charlevoix670-10%
2Cheboygan661-11%
59Chesaning718-3%
33Clare692-7%
88Clarkston7815%
56Coldwater717-4%
89Davison7815%
122Dearborn90121%
124Detroit1538107%
81Dexter7754%
44Dowagiac706-5%
61Dundee719-3%
82Fenton7754%
100Ferndale7916%
97Flint7886%
60Frankenmuth718-3%
23Frankfort677-9%
110Fraser7977%
73Fremont738-1%
3Gaylord661-11%
34Gladwin692-7%
72Grand Blanc737-1%
74Grand Haven738-1%
93Grand Rapids7825%
4Grayling661-11%
66Greenville729-2%
114Grosse Ile85114%
101Grosse Pointe Farms7916%
5Harbor Springs661-11%
27Harrisville683-8%
75Hart738-1%
45Hastings706-5%
57Hillsdale717-4%
76Holland738-1%
70Holt735-1%
58Homer717-4%
21Houghton676-9%
29Houghton Lake686-8%
107Howell7957%
77Hudsonville738-1%
52Imlay City716-4%
6Indian River661-11%
67Ionia729-2%
19Iron Mountain674-9%
30Iron River688-8%
31Ironwood688-8%
69Ithaca733-2%
109Jackson7967%
46Kalamazoo706-5%
24Kalkaska677-9%
22L' Anse676-9%
116Lake Orion85415%
71Lansing735-1%
53Lapeer716-4%
18Leland670-10%
7Lewiston661-11%
113Livonia82611%
78Lowell738-1%
65Ludington726-2%
10Mackinac Island663-11%
96Macomb7876%
119Madison Heights86416%
83Manchester7754%
26Manistee682-8%
15Manistique669-10%
112Marion82110%
20Marquette674-9%
39Marshall705-5%
Michigan Average7440%
98Midland7906%
108Milan7957%
28Mio683-8%
63Monroe721-3%
120Mount Clemens88619%
37Mount Pleasant699-6%
80Muskegon7430%
90New Baltimore7815%
94New Buffalo7845%
11Newberry663-11%
47Niles706-5%
102Northville7916%
91Novi7815%
111Owosso8018%
8Petoskey661-11%
123Pontiac95829%
106Port Huron7937%
92Romeo7815%
103Royal Oak7916%
86Saginaw7774%
12Saint Ignace663-11%
40Saint Joseph705-5%
84Saline7754%
54Sandusky716-4%
13Sault Sainte Marie663-11%
117Southfield85415%
121Southgate89020%
32Standish690-7%
62Tecumseh719-3%
48Three Rivers706-5%
25Traverse City677-9%
104Utica7916%
105Waterford7916%
49Wayland706-5%
115Ypsilanti85315%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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