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Motorcycle Insurance Requirements/
Michigan

MICHIGAN MOTORCYCLE INSURANCE

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Whether you're carving through the curves of M-119’s Tunnel of Trees or just cruising down Woodward Avenue, Michigan riders know the thrill of the open road. But with that freedom comes responsibility, and Harley-Davidson® Insurance has your back with coverage tailor- made to the way you ride.

From Detroit to the Upper Peninsula, we offer protection tailored to Michigan’s unique roads and requirements, with flexible coverage for all makes and models, not just Harleys. With potential policy premium discounts of 50% or greater based on eligibility, now’s the perfect time to gear up with a name you can trust.

Don’t leave your ride or your peace of mind up to chance. Protect your ride and get a

personalized Michigan motorcycle insurance quote now.

WHAT ARE THE MINIMUM MOTORCYCLE INSURANCE REQUIREMENTS IN MICHIGAN?

In Michigan, motorcycle insurance requirements are a bit different from those for cars due to the state's unique no-fault insurance laws. While motorcycles aren't considered motor vehicles under Michigan’s no-fault system, riders are still required to carry liability insurance and meet specific state-mandated minimums.

To legally ride a motorcycle in Michigan, you've got to carry liability insurance that meets the following minimum coverage limits:

Mandatory Motorcycle Coverage:

  • $50,000 for bodily injury or death per person

  • $100,000 for bodily injury or death per accident

  • $25,000 for property damage per accident

Additional Considerations:

Unlike car insurance in Michigan, motorcycle insurance policies don't include Personal Injury Protection (PIP) benefits.

However, if you do get hurt in an incident involving a motor vehicle, you might be eligible for PIP benefits through the motor vehicle driver’s auto insurance, depending on who’s at fault and the details of the accident. It's a good idea to consider optional medical payments coverage just in case.

Proof Of Insurance:

In Michigan, motorcycle riders are required by law to carry proof of insurance at all times when operating their motorcycle. This proof needs to show that your motorcycle meets the state's minimum liability insurance requirements.

Acceptable forms of proof include:

  • A paper insurance card issued by your insurer

  • An electronic version of your insurance card on your smartphone or mobile app

If you can’t provide valid proof, you may face fines or penalties even if you're properly insured.

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OPTIONAL MOTORCYCLE INSURANCE COVERAGES IN MICHIGAN

Here’s a breakdown of key optional coverages available to Michigan motorcyclists:

Comprehensive Coverage

Protects your motorcycle from non-collision risks such as theft, vandalism, fire, storm damage or even an animal collision. When you live in a state like Michigan, where the weather can be harsh and unpredictable, comprehensive coverage is a smart add-on for riders who really care about their machines.

Collision Coverage

Covers damage to your motorcycle if you get into a collision - regardless of who's at fault.

Optional Equipment Coverage

This optional coverage provides protection against damage or loss for custom parts or accessories added to your motorcycle in excess of $1,000. If you've invested in making your motorcycle truly your own, you'll want this coverage.

Uninsured and Underinsured Motorist Bodily Injury Coverage

Covers your medical expenses if you get hit by a driver who doesn't have enough - or any - insurance. This coverage adds a vital layer of protection.

Medical Payments Coverage

Because motorcycles are excluded from Michigan’s no-fault PIP system, Medical Payments Coverage can help cover immediate medical bills after an accident, regardless of who's at fault. It’s an essential option for many Michigan riders.

Roadside Assistance

Don’t get stuck on M-22 or the Mackinac Bridge. Roadside Assistance coverage helps with towing, flat tires and more - and is especially useful if you’re riding Michigan’s scenic backroads or out-of-the-way routes in the Upper Peninsula.

Rental Reimbursement

If your motorcycle is in the shop after a covered loss, this coverage helps pay for a rental, so your ride doesn’t have to sit idle. A great option for commuters or riders who don’t want to miss a weekend rally.

RIDE SMART, SAVE MORE: MOTORCYCLE INSURANCE DISCOUNTS IN MICHIGAN

Available Motorcycle Insurance Discounts for Michigan Riders:

Depending on your riding history, location, and coverage choices, we offer policy premium discounts of 50% or greater based on eligibility*. Some Michigan riders pay as low as $15/month for coverage.

As your policy ages, here are the available motorcycle insurance discounts in Michigan:

  • H.O.G.® Member Discount

  • H-D™ Riding Academy Graduate Discount

  • Military and Law Enforcement Discount

  • Paid in Full Discount

  • Home Ownership Discount

  • Multi Motorcycle Discount

  • Prompt Payer Discount

  • Anti-Theft Device Discount

  • Claim-Free Renewal Discount

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Michigan Motorcycle Insurance Discounts

Looking for cheap Michigan motorcycle insurance? It's here, and you'll experience the quality of service you expect from Harley-Davidson®.

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HOW TO GET A QUOTE

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Have information about yourself and your bike[s] ready.

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Select coverage options.

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Coverages and requirements vary by state. See your policy for complete coverage details.

GET A MICHIGAN MOTORCYCLE INSURANCE QUOTE

Ready to ride Michigan your way? Harley-Davidson® Insurance is built for the way riders actually use the road here, from quick runs around town to long weekends up north, and coverage is available for most makes and models, not just Harley-Davidson® motorcycles.

Get the protection that fits your motorcycle, your budget, and your miles. Protect your ride—get a personalized Michigan motorcycle insurance quote now.

*Save up to 50% or greater based on eligibility. Not Available in all states.