Getting the Cheapest Motorcycle Insurance in Michigan

Motorcycle insurance in Michigan doesn’t have to be expensive. While rates are higher than for cars, there are ways to find cheap motorcycle insurance.

Below we’ll cover:

• Average motorcycle insurance costs in Michigan
• Factors that affect your premiums
• Tips to get the cheapest rates
• Minimum liability requirements
• Recommended extra coverage
• Top affordable providers in Michigan

Plus see a full list of cheap motorcycle insurance rates by city across the state.

Average Cost of Motorcycle Insurance in Michigan

On average, motorcycle insurance in Michigan costs:

• Minimum liability – $100 to $300 per year

This covers just the bare minimum bodily injury and property damage liability as required by law in Michigan.

• Full coverage – $500 to $1,500 per year

Full coverage includes comprehensive and collision in addition to liability. Costs vary based on your bike, driving record, and other factors.

So at minimum, expect to pay around $100 per year for basic liability motorcycle insurance in Michigan. Full coverage with higher limits will run closer to $1,500 annually.

What Affects the Cost of Motorcycle Insurance in Michigan?

Several factors determine your exact motorcycle insurance rates in Michigan.

Motorcycle Type

More expensive, high-performance bikes cost more to insure. Engine size, model, year, and customizations also get factored in.

Your Age

Younger riders pay higher premiums due to lack of experience. Rates start dropping around age 25.

Driving Record

Any past accidents, traffic violations, or DUI/DWI citations will increase your rates significantly.

Location

Living in urban areas like Detroit leads to higher premiums due to increased risk.

Coverage Limits

Higher liability limits and full coverage increase rates compared to minimum liability only.

Credit History

Michigan allows insurers to check your credit. Good credit leads to lower premiums.

So even just liability motorcycle insurance could be over $500 per year for some riders. But there are ways to find cheaper rates.

How to Get the Cheapest Motorcycle Insurance in Michigan

Follow these tips to get the lowest motorcycle insurance premiums in Michigan:

Compare Quotes

Get quotes from at least 5-10 different motorcycle insurance providers. Rates can vary over $1,000 between companies for the same coverage.

Increase Deductibles

Raising your deductible from $500 up to $1,000 or $2,500 can save 20% or more on premiums. Just be prepared to pay that out of pocket per claim.

Limit Coverage

Dropping comprehensive and collision coverage saves substantially if you have an older bike. Or consider liability-only during colder months if you won’t ride much.

Ask About Discounts

Inquire about all possible discounts you may qualify for like multi-policy, safety course completion, club membership, etc.

Enroll in Safety Courses

Taking advanced riding courses lowers your rates and makes you a better, safer rider.

Review Credit Reports

Ensuring no errors exist on your credit history can help improve your insurance score.

Shop Annually

Don’t just renew the same policy. Rates change constantly so check for better deals each year before renewal.

Getting motorcycle insurance quotes from multiple insurers and maximizing discounts are the best ways to save.

Minimum Motorcycle Insurance Requirements in Michigan

Legally, you must carry these minimum liability coverages to ride a motorcycle in Michigan:

• $20,000 bodily injury liability per person
• $40,000 bodily injury liability per accident
• $10,000 property damage liability

You must also carry personal injury protection (PIP) to cover medical expenses:

• $500,000 maximum PIP
• $1 million property protection

Failing to maintain this required motorcycle insurance leads to fines, license/registration suspension, and other penalties.

Recommended Extra Motorcycle Insurance Coverage

Liability-only motorcycle insurance meets the minimum requirements in Michigan. But experts recommend adding:

• Uninsured/Underinsured Motorist Coverage – Protects you if injured by a driver with little or no insurance.

• Comprehensive – Covers damage to your own bike from weather, fire, animals, theft, and vandalism.

• Collision – Pays to repair your motorcycle after any at-fault accident with an object or other vehicle.

• Accessory Coverage – Reimburses you for aftermarket parts like saddlebags, chrome, audio equipment, etc. if damaged or stolen.

• Trip Interruption – Pays for emergency lodging, transportation, and meals if you break down far from home.

While costlier, this additional protection is valuable for motorcyclists in Michigan.

Cheapest Motorcycle Insurance Companies in Michigan

While every rider’s rates will vary, these insurers offer some of the most affordable motorcycle insurance rates in Michigan on average:

• Progressive
• Geico
• Foremost
• Safeco
• Nationwide
• State Farm
• Allstate

Always compare quotes from at least these top providers when shopping for motorcycle insurance. Some smaller insurers can also offer cheap rates.

Average Minimum Liability Costs in Michigan

Average Full Coverage Costs in Michigan

So Geico, Progressive, and Foremost tend to offer the most affordable motorcycle insurance rates in Michigan for both minimum liability and full coverage policies. Compare quotes to find the best deal.

Cheapest Motorcycle Insurance Rates by City in Michigan

Motorcycle insurance costs vary widely by location within Michigan. On average, annual rates for minimum liability coverage run:

So you’ll typically pay around $200 per year for basic liability motorcycle insurance in major Michigan cities like Detroit, Ann Arbor, and Grand Rapids. Smaller metro areas and rural towns can average closer to $125 annually.

Shopping around within your city is key to finding the cheapest motorcycle insurance rates. Get quotes from multiple top providers for the biggest savings on your policy. Consider higher deductibles and limiting coverage as well.

The Cheapest Motorcycle Insurance in Michigan

To summarize, follow these steps to get the lowest cost motorcycle insurance in Michigan:

• Compare quotes from at least 5-10 different insurers
• Ask about all available discounts you qualify for
• Consider raising your deductible and dropping full coverage
• Take an approved hands-on safety/riding course
• Check credit reports and improve your credit score
• Limit coverage during months you won’t ride as much
• Shop for better rates annually before renewal

Finding affordable motorcycle insurance in Michigan takes some work. But bikers who put in the effort can save hundreds per year on their premiums.