COVID-19 Update: If you're thinking about motorcycle insurance in the context of coronavirus, see below for information.
Choosing the right motorcycle insurance company means balancing affordability with reliable coverage. After collecting hundreds of quotes and analyzing insurance companies across Michigan, we found that the cheapest motorcycle insurance in the state can cost just $803 per year.
Compare Motorcycle Insurance Quotes from Providers in Michigan
We've analyzed hundreds of motorcycle insurance quotes in Michigan and looked at the numbers from the state's top insurers to see which ones work best for riders. Read on for our full review, or use the quotebox above to find the best motorcycle insurance rates for you.
Best motorcycle insurance for most people: Progressive
- The best price we found among Michigan motorcycle insurers
- Base policies have generous extras
- Bundle discounts
- Fewer coverage options than more specialized motorcycle insurers
Progressive is our top choice for motorcycle insurance in Michigan. We were impressed by their affordable rates, generous base coverage options and wide array of available discounts. The typical annual rate we found at Progressive was $803, 19% less than the typical price overall. This makes Progressive the cheapest motorcycle insurance provider in the state.
Motorcycle riders who also own a car can save even more by bundling their auto and motorcycle policies together.
Progressive's base policy also includes a few benefits that other insurers sometimes charge more for: replacement cost coverage for motorcycle parts and $3,000 of custom part protection. Most motorcycle insurance companies charge extra for these protections, but they're free for Progressive customers.
Progressive offers a disappearing deductible option — for every year you go without an accident, your motorcycle deductible amount will decrease by 25%. This can lead to significant savings if you do 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 0.34. This means that it receives 34% as many complaints as a typical company of its size. Other competing insurers had scores as low as 0.10.
Best for touring: Markel Insurance
- Affordable rates
- Good coverage options
- Does not offer regular auto or home insurance, so no bundling
- Fewer discount opportunities than other insurers
Our runner-up choice for Michigan motorcycle insurance and recommendation for motorcycle touring is Markel Insurance. Its rates were the second lowest we found in Michigan, and its wide variety of coverages make it a good choice to protect you while riding your bike cross country.
The typical price of motorcycle insurance at Markel is $930, or $65 less per year than the statewide average. However, it's not as affordable as our top choice.
We were very impressed with Markel's range of coverage options, which include a few extras that aren't commonly available at other insurers: coverage for a motorcycle trailer, breakdown coverage and rental reimbursement.
Markel is a "specialty" insurance company. It provides coverage for vehicles and homes that might not be eligible for insurance from a typical provider, including boats, ATVs and motor homes.
However, Markel does not provide coverage for traditional passenger cars or homes. Not only does this prevent you from combining your policies to save time, but it also keeps you from taking advantage of a bundle discount; a common perk at many insurance companies.
Best customer service: Auto-Owners
- Highly rated customer service
- Lots of coverage options and discounts
- No online quotes
Motorcyclists who value a great customer service experience above all else should consider Auto-Owners insurance. It has the best customer service of any company we looked at, though we can't vouch for its affordability.
Auto-Owners has an impressively low complaint index from the NAIC — just 0.10. This means it received only 10% as many complaints as a typical company of its size. And J.D. Power ranked it among the best insurance companies in Michigan, too.
We were very impressed with the range of discounts Auto-Owners offers, including savings for having multiple policies, paying in full and having safety features on your motorcycle.
Auto-Owners insurance is only available through independent agents. This means you won't be able to get a quote from the company online; you'll have to call or meet with an agent to determine your rates.
How we chose the best motorcycle insurers in Michigan
We weighed three main categories to determine which insurer offers the best motorcycle insurance in Michigan. The best motorcycle insurance providers stand out from the competition in these ways:
- Affordability: How much does it cost to insure your motorcycle?
- Coverage options: What types of coverage are available from an insurer beyond the minimum requirements, and are they useful?
- Customer service: Are customers happy with the service they receive from the company, especially during the claims process?
Affordability: Finding cheap motorcycle insurance in Michigan
Finding an affordable motorcycle insurance rate can save you hundreds of dollars per year. We've collected quotes across Michigan to find the cheapest option for Michigan riders.
The average cost for motorcycle insurance in Michigan is $994.52 for full coverage. This is more expensive than the typical cost across the country, which is around $702 per year.
|Insurer||Average cost||% difference from state average|
The cost of motorcycle insurance varies significantly based on factors about you and your riding history. This includes things like where you live, what motorcycle you own, how long you've been riding a motorcycle and whether you've recently been responsible for a crash or traffic violation. We gathered quotes for a 45-year-old homeowner with 20 years' motorcycle experience who rides a 2019 Harley-Davidson FLHX Street Glide.
We don't recommend insurance shoppers simply 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 someone else is injured in an accident, while staying within your insurance 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
Find Cheap Auto Insurance Quotes in Your Area
Coverage options: Comparing motorcycle insurance policies and benefits
The insurers we evaluated all offer coverage sufficient to meet the legal minimum for insurance in Michigan. But the variety and usefulness of an insurer'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||Maximum liability limit||Replacement cost coverage||OEM parts replacement||Custom parts||Roadside assistance||Rental reimbursement|
Customer service: Evaluating insurer quality in service and claims
To determine which motorcycle insurance company in Michigan has the best service, we used several data sources including the National Association of Insurance Commissioners' complaint index, J.D. Power's automobile survey score and A.M. Best's financial strength rating. Below, see the customer service and stability ratings for the top motorcycle insurance companies in Michigan.
|Insurer||NAIC complaint index||J.D. Power survey score||A.M. Best financial strength rating|
|Auto Club Insurance Association||0.21||--||A-|
|Michigan Farm Bureau||0.53||--||A-|
|The Hanover Insurance Group||0.25||823||A|
- NAIC complaint index: This score represents the number of complaints an insurance company has received relative to its size. A score of 1.00 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.
- A.M. 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 claim demand (such as after a natural disaster) or economic downturn.
- J.D. Power rankings: J.D. Power performs national and regional customer satisfaction surveys, determining how happy customers are with their insurer's price, claim performance and more. J.D. Power does not perform a separate motorcycle insurance survey, so we've used their automotive insurance survey instead. The maximum score is 1000.
How coronavirus can affect your motorcycle insurance in Michigan
The shelter-in-place order instituted in Michigan has resulted in fewer drivers, including a downturn in motorcyclists. To help policyholders affected by the coronavirus, major providers have issued partial paybacks of premiums.
Even if you're not riding your bike, you're still required to carry motorcycle insurance to operate it legally on the state's roads. However, if you can't pay, some providers have relaxed late fees for those affected by the virus.
Michigan motorcycle insurance: Costs by city
In addition to an overall statewide average, we also determined the average cost of insurance on a per-city basis for major locations in Detroit. Use the table below to see how your motorcycle rates compare to those of your neighbors.
|City||Average||% difference from state average|
|Grosse Pointe Farms||$1,112.95||11.9%|
|Sault Sainte Marie||$875.94||-11.9%|
If you'd like to see how motorcycle insurance rates in Michigan compare to prices nationwide, take a look at ValuePenguin's nationwide study of the cost 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:
|Coverage type||Required minimum coverage|
|Bodily injury liability||$20,000 per person / $40,000 per accident|
|Property damage liability||$10,000 per accident|
However, you don't need to worry much about hitting these limits in practice. Insurance companies don't sell policies that don't satisfy the legal minimum, so any policy you buy will include sufficient coverage.
How do you get a motorcycle license in Michigan?
In Michigan, a motorcycle license isn't separate from a regular driver's license. Instead, it's an endorsement that anyone who's permitted to drive a car can apply for. That means you'll need to be 16 years of age or older, and have passed your driver's license test, before you can apply.
Getting a motorcycle endorsement in Michigan is fairly straightforward, though you do need to pass a few tests to receive it. There are two main ways to get your motorcycle license: a state-approved training course or practicing on your own followed by a road test.
One option is to take a state-approved training course. These courses cover the basics of riding a motorcycle safely, including all applicable laws. At the end, you'll receive a completion certificate; take this to the DMV, where you'll take an eye exam and receive your license. If you're under 18, you have to take this course to get a motorcycle endorsement.
Learn on your own
If you know an experienced rider who can teach you how to ride a motorcycle, you can have them teach you instead. However, you'll first need to go to the DMV to take a written exam. You'll also need to go back to the DMV to take a road test, just like you would for your driver's license.
We gathered over 600 motorcycle insurance quotes across the state of Michigan to determine the average cost of coverage in the state. All quotes were for a 45-year-old male rider of a 2019 Harley-Davidson FLHX Street Glide. Our rider was a married homeowner who has been riding motorcycles for 20 years. Other riders' rates may vary.