Best Michigan Motorcycle Insurance

Want to jump straight to the answer? Most people prefer to insure their bike or motorcycle with Harley-Davidson Insurance Services.

Before you hop on your motorcycle for your next road trip, consider purchasing the best motorcycle insurance in Michigan to protect you and your bike as a smart investment. The right motorcycle insurance serves as critical protection for all riders and owners, whether you have an iconic Triumph Bonneville, a sporty Honda or an all-American Harley Davidson. Safety is important on the roads, and insurance provides important protections.

Motorcycle insurance can vary between carriers, so doing your research before purchasing your coverage can help ensure you find the right policy for your bike. Some policies cover more accessories, for example, while others may not have a full replacement cost. If you have customized your bike, such as with chrome additions or custom paint, be sure to ask your carrier whether these enhancements are covered.

Best Motorcycle Insurance in Michigan

What is Motorcycle Insurance?

Motorcycle insurance is a type of insurance policy designed to provide coverage for motorcycles, mopeds, scooters, dirt bikes, trikes and other types of 2- and 3-wheeled vehicles.

Types of Motorcycle Insurance Explained

Motorcycle insurance is a type of property and casualty coverage designed to provide protection for motorcyclists. The policy is a stand-alone policy, which means you can purchase just a motorcycle policy from an insurance carrier. You do not need to have a separate car insurance policy in addition to your motorcycle policy. However, if you do carry several policies from the same insurance company, you may qualify for a discount for having multiple policies. The carriers that offer the best motorcycle insurance in Michigan likely offer many discounts.  

Motorcycle insurance consists of several key components, including the following:  

 Liability

Liability insurance is designed to cover injuries and damages to other people and their property. If you cause harm or damages to someone, the liability portion of your policy can help pay for these losses.

Collision

The collision portion of your motorcycle policy exists to cover property damage to your bike from accidents involving collisions with other vehicles or fixed property.  

Comprehensive

Your comprehensive coverage is designed to cover property damage to your bike from hazards besides collisions. This could include storm or weather damage, partial theft or fire damage.

Uninsured/Underinsured Motorist

Uninsured/underinsured motorist coverage is important coverage. This protects you if you are involved in an accident with someone who does not have insurance or who has low limits of insurance coverage. For example, if you were injured in an accident and the other vehicle carried a small policy, you could go back to your own policy for additional coverage once the other driver’s policy was exhausted.

Customized Motorcycle Parts

Some motorcycle policies have coverage for customized motorcycle parts. This coverage is designed to help cover custom or after-market parts and additions to your bike if they are damaged in a covered loss. Some policies apply depreciation to this coverage while other carriers in Michigan offer full replacement cost on customized motorcycle parts.

Michigan Motorcycle Laws

Second, it’s important to know how to protect yourself and get the coverage you need. You’re required to meet these Michigan motorcycle insurance requirements:   

  • $20,000 coverage for bodily injury or death involving 1 person in a single accident: Starting July 2, 2020, the minimum requirement increases to $50,000.
  • $40,000 coverage for bodily injury or death involving more than 1 person in a single accident: Beginning July 2020, the minimum requirement increases to $100,000.
  • $10,000 coverage for property damage in a single accident

Best Motorcycle Insurance Providers in Michigan

Benzinga analyzed dozens of insurance policies to determine ratings. Here are our 4 Best Michigan Motorcycle Insurance picks.

Best For
Pay-per-mile insurance from an established company
Pros
  • Extensive agent network
  • Easy sign-up process
  • Many customer service options
Cons
  • Drivewise and Milewise aren’t available in all states

1. Allstate: Best Overall

Allstate is the best overall motorcycle insurance in Michigan. Allstate is more expensive than GEICO (about $140 per year), but its coverage and discounts bolster its rating.

Coverage features include personal injury protection, roadside assistance, rental reimbursement and OEM parts. Discount extras include policy transfer, riding group, claims-free and rider experience offers. 

Best For
Comprehensive coverage/Business Owners’ Policy
Pros
  • Wide range of coverages available
  • Generous number of discounts; special discounts unique to Harley-Davidson owners
Cons
  • More expensive than competitors
  • Cannot bundle together auto and motorcycle insurance

2. Harley Davidson: Best Customer Service

Owning a motorcycle is a big deal and insuring it comes with trusting a company to have your back if an accident ever happens. Harley Davidson’s insurance provides outstanding customer service and personalized experience for every customer. They offer a ton of discounts and their claims process is highly rated.

Their prices may seem higher than average but you will be covered for everything in the event of a loss. This also comes with perks like Harley Davidson genuine motor parts and accident forgiveness.

3. USAA: Best for Military Personnel

USAA is the best motorcycle insurance for military personnel.

Best For
Active military members
Pros
  • Complete line of insurance, banking, and investment services
  • Easy online forms to quote and bind policies
  • Top-rated customer satisfaction
Cons
  • Very few physical locations
  • Only available to select groups, generally tied to military service and the relatives of members

USAA serves active duty, guard and reserve, veterans, cadets and midshipmen and their families.

Benzinga maxed out USAA’s rating at 5 stars (which factors in price, availability and offerings) and J.D. Power offers USAA an “among the best” designation.

USAA is the only provider solely focused on military personnel and their families.

4. Best for Accessory Coverage: Markel Insurance Co.

Markel is a specialty insurer for motorcycles — it does not insure cars or trucks and has customized its motorcycle coverage with riders in mind.

Markel insures accessories, such as saddlebags, helmets and riding apparel. Policyholders can set their accessory coverage limits.

Pros
  • Customizable policies
  • Affordable premiums
  • Extensive standard coverages
  • Discounts to help you save
Cons
  • Refunds can be denied for canceled policies
  • Delayed repairs during the claims process

5. Best-Known as the No. 1 Bike Insurer: Progressive

Progressive bills itself as the No. 1 bike insurer in the U.S., and it insures almost every kind of motorcycle, scooter or moped. Its coverage has full replacement cost and no depreciation built in.

Progressive also has accident forgiveness, so policyholders who have remained claims-free for 4 years or who submit a claim less than $500 won’t see a premium increase because of it.

Michigan Motorcycle Insurance Law Explained

Michigan is a no-fault motor vehicle policy state, which means that if you’re involved in an accident, it doesn’t matter who is at fault. You file a claim with your own insurance company. Motorcycles are not included under the no-fault law and you do not need to purchase a no-fault policy. Instead, you must buy minimal liability coverage. Minimal liability coverage protects you against liability for property damage, bodily injury or death suffered by another by a motorcycle, according to the Michigan Department of Insurance and Financial Services (DIFS). 

Under 21 years old? You must wear a helmet, according to Michigan law. You’ll pay more for the wind in your hair if you’re 21 or older and choose not to wear a helmet. You’ll be required to carry at least $20,000 in medical benefits coverage. 

Frequently take others on bike rides? You must carry medical coverage for any passengers or those passengers must carry medical benefits.

Michigan Motorcycle Rates

Many types of motorcycles zip around Michigan. The most popular motorcycle brands in the U.S. include Harley-Davidson, Polaris, Ducati, BMW, Honda and Yamaha. The type of bike you have influences insurance rates and a few other factors do, too:

  • Age, driving record and where you live: As with auto insurance, rates are higher when you’re younger. Maintain a clean driving record to help keep costs low. Living and riding in rural areas cost less, and in urban areas, it costs more. 
  • Type of motorcycle you ride: Your insurance costs will be higher if your bike is sporty or expensive. 
  • Age of your motorcycle: The replacement cost is higher for newer motorcycles. Motorcycles that have aged a few years will cost less to insure but this logic gets thrown to the shoulder if you insure a vintage bike.
  • Number of miles you ride yearly: Plan to spend less on insurance if you’re a weekend rider. Is your motorcycle your primary mode of transportation? Plan to spend more.
  • Motorcycle storage: Your motorcycle is more prone to damage and theft if you park outdoors, so expect a higher rate. Your bike is more protected if you park in a garage.
  • Mature rider discounts: Age is hardly something that you can control, but if you’re a mature rider, use it to your advantage!
  • Safety/training course discount: This can be especially helpful to younger riders or riders with blemished records.
  • Organization discounts: Joining a club or riding group may help you lower costs (and you’ll meet people who share your passion, too!)
  • Lay-up policies: Michigan is a 4-season state. Storing your motorcycle during inclement weather months may lower your rates. 

Motorcycle Insurance Quotes

CompanyQuote for a 1-year PolicyPrice Rating
AAA$7004
Allstate$4995
American Modern$9023
Ameriprise$7504
Amica$8413
Auto-Owners$6594
Farmers$5874
Foremost$4895
Hagerty$1,3542
Harley Davidson Insurance$1,062.492
Liberty Mutual$7584
Markel$9783
MetLife$6594
National General$4875
Nationwide$6954
Progressive$9703
Rider Insurance$1,1622
Safeco$8543
State Farm$5984
USAA$4785
Westfield$9543

Motorcycle Insurance Discounts

CompanyDiscounts OfferedOverall Rating
AAAMultiple bike, Loyalty, Homeowner, Claims-free, Anti-theft, Safety course4.7
AllstateMultiple bike, Homeowner, Riding group, Claims-free, Rider experience, Anti-lock brake, Safety course5.0
American ModernMultiple bike, Homeowner, Claims-free, Safety course4.0
AmeripriseMultiple bike, Loyalty, Claims-free, Smart rider, Anti-lock brake, Anti-theft, Safety course4.0
AmicaMultiple bike, Homeowner, Anti-lock brake, Anti-theft4.0
Auto-OwnersMultiple bike, Homeowner, Anti-lock brake, Anti-theft, Safety course4.0
FarmersMultiple bike, Loyalty, Homeowner, Riding group, Anti-lock brake4.3
ForemostMultiple bike, Loyalty, Homeowner, Riding group, Anti-lock brake, Anti-theft, Safety course4.7
HagertyMultiple bike3.7
Harley Davidson InsuranceMultiple bike, Loyalty, Homeowner, Riding group, Claims-free, Rider experience, Anti-theft, Safety course, Motorcycle license3.7
Liberty MutualMultiple bike, Homeowner, Riding group, Rider experience, Anti-lock brake, Anti-theft, Safety course4.7
MarkelMultiple bike, Loyalty, Claims-free, Rider experience, Anti-lock brake, Anti-theft, Safety course4.0
MetLifeMultiple bike, Claims-free, Anti-lock brake, Anti-theft, Safety course4.7
National GeneralMultiple bike, Homeowner, Claims-free4.7
NationwideMultiple bike, Homeowner, Riding group, Anti-lock brake, Safety course4.7
ProgressiveMultiple bike, Homeowner, Claims-free, Anti-lock brake, Safety course, Motorcycle license4.3
Rider InsuranceMultiple bike, Loyalty, Homeowner, Military, Riding group, Claims-free, Rider experience, Smart rider, Anti-lock brake, Anti-theft, Safety course, Motorcycle license3.0
SafecoMultiple bike, Loyalty, Homeowner, Riding group, Claims-free, Rider experience, Anti-lock brake, Anti-theft, Safety course 4.3
State FarmMultiple bike, Homeowner, Claims-free, Anti-theft, Safety course4.7
USAAMultiple bike, Loyalty, Military, Claims-free, Safety course5.0
Westfieldn/a3.3

How to Compare Motorcycle Insurance

When you compare motorcycle insurance, consider the things most important to you as a rider and owner. Do you often travel far from home with your motorcycle? In that case, vacation rental may be an important feature. Will you customize your bike with accessories and after-market parts? If so, full replacement coverage and accessory coverage could be necessary for you.

Another way to compare insurance companies is to consider their customer complaints and reviews. Perhaps a bigger carrier that has more experience insuring motorcycles is right for you, knowing its agents have more knowledge of your particular needs as a biker.

If you are interested in specialized insurance coverage designed specifically for your motorcycle and you have a Harley-Davidson, you might consider Harley-Davidson Insurance for the convenience factor of having your insurance, warranty, financing and maintenance with one corporation.

You can also compare motorcycle insurance based on rates. Some carriers offer lower rates in general, while others have various discounts that can significantly lower your rates. Bundling your other insurance products with your motorcycle insurance can help you save money, and you can ask your home or auto insurance company whether they provide motorcycle insurance as a 1st step.

How to Buy Motorcycle Insurance

Buying motorcycle insurance does not have to be complicated. Many carriers, including Progressive, have digital applications you can fill out online. Some carriers allow you to compare rates and options from lots of different companies at once. Because rates can vary greatly from insurance company to company, shopping around to compare your options is one way to get the best rate on your motorcycle insurance.

Mobile App
Yes
Get Quote Online
Yes
1 Minute Review

Dairyland is an auto and motorcycle insurance provider offering policies throughout the United States. Although the company isn’t available in every state, it’s an affordable choice for anyone who lives within its service area. In our review, Dairyland offers among the most affordable quotes for a 1-year policy. The company also maintains a high number of positive reviews on sites like Trustpilot and its generous discounts can lower your premiums even further.

Best For
  • Riders looking for the most affordable motorcycle insurance available
  • Riders looking for a wide range of coverage options
Pros
  • Exceptionally affordable insurance options; very low quote for a 1-year policy
  • Wide range of policies and add-on protections available
  • Easy, guided claims process assisted by a representative
  • Simple mobile app that allows you to track your claims and benefits
  • High number of positive customer reviews
Cons
  • Not currently available in all states
  • Fewer discounts available than some competitors
Mobile App
N/A
Get Quote Online
N/A
1 Minute Review

Progressive is the top provider of motorcycle insurance in the nation. It’s the preferred choice of over 30% of riders and offers flexible policies that can be tailored to fit your needs. 

Whether you have a custom, touring, dirt bike, ATV or some other bike, you can get the coverage you need at a price you can afford. 

This in-depth review takes a closer look at Progressive’s motorcycle insurance. 

Best For
  • Coverage for vandalism, theft, collisions and more
  • Supplemental coverages
Pros
  • Customizable policies
  • Affordable premiums
  • Extensive standard coverages
  • Discounts to help you save
Cons
  • Refunds can be denied for canceled policies
  • Delayed repairs during the claims process
Best For
Comprehensive coverage/Business Owners’ Policy
N/A
1 Minute Review

If you own a Harley-Davidson motorcycle, you may want to protect your vehicle with a unique policy from Harley-Davidson Insurance. Harley-Davidson Insurance offers policies for nearly every type of motorcycle, and you can even claim a policy that provides enhanced protections for any upgrades you’ve made to the vehicle. If your motorcycle is your primary form of transportation, you’ll love Harley-Davidson Insurance’s rental replacement coverage option.

However, these unique policies come at a price — in our review, policies from Harley-Davidson Insurance were significantly more expensive than most competitors. The cost of your policy might be offset by Harley-Davidson’s generous list of discounts, available for everything from brand loyalty to experience on the road.

Best For
  • Riders with custom bikes that need extra protection
  • Riders who use their motorcycle as their primary form of transportation
  • Riders who want additional coverages beyond state-minimum requirements
Pros
  • Wide range of coverages available
  • Generous number of discounts; special discounts unique to Harley-Davidson owners
Cons
  • More expensive than competitors
  • Cannot bundle together auto and motorcycle insurance

Get Your Motor Running

Born to be wild? Like the feel of the breeze as you cruise down the open road? Whatever the reason, decide which factors are most important to you when you choose motorcycle insurance and you’ll pick the insurance provider that best suits your needs.

If you are interested in insurance in Michigan check out our article on Best Car Insurance for the leading companies and bundle your car and motorcycle for an even better deal.

*Metrics used for quote: 2017 Harley Davidson FLHTK, 35-year-old male, discounts applied.  Policies reflect state minimum coverage options. We make every effort to provide the most accurate quotes based on the profile above. Due to the many combined variables involved in insurance quotes, the only way to get an accurate quote is to enter your own information through our partners’ secure websites.

Money-saving Motorcycle Insurance

Harley-Davidson Insurance Services provides services as a trusted motorcycle insurance agency that knows all about the motorcycle lifestyle. The company stands behind its policies with industry-leading services, coverage and support. You’ll also get money-saving motorcycle insurance discounts and experienced customer service and claims support. 

You can get Harley-Davidson Insurance today with a free, quick quote.