Choosing the right motorcycle insurance company means balancing affordability with reliable coverage. after collecting hundreds of quotes and analyzing insurance companies in michigan, the cheapest motorcycle insurance in michigan comes from progressive and costs $702 per year.
cheapest motorcycle insurance companies in michigan
The average cost of motorcycle insurance in michigan is $953 for full coverage. this is more expensive than the typical cost across the country, which is around $721 per year.
best motorcycle insurance for most people: progressive
progressive is our top choice for michigan motorcycle insurance. we were impressed with its affordable rates, generous basic coverage options, and wide variety of available discounts.
The average annual rate for motorcycle insurance we found from Progressive was $702, 26% less than the typical price in Michigan. this makes progressive the cheapest motorcycle insurance provider in the state.
Motorcyclists who also own a car can save even more by bundling their auto and motorcycle policies.
Progressive’s basic policy includes some benefits that other insurers sometimes charge more for: replacement cost coverage for motorcycle parts and $3,000 of custom parts protection. Most motorcycle insurance companies charge extra for these protections, but they are free for progressive customers.
In addition, the progressive offers a deductible that disappears. For each year that passes without an accident, the amount of your motorcycle deductible decreases by 25%. this can lead to significant savings if you ever have an accident.
progressive’s customer service is good, but not industry leading. the national association of insurance commissioners (naic) gave it a reporting rate of 0.76. this means that it receives 76% of complaints as a typical company of its size. other competing insurers scored as low as 0.63.
best customer service: allstate
Motorcyclists who value an excellent customer service experience above all else should consider Allstate. has the best customer service of all the companies we reviewed in michigan, though it does come at a cost, with the highest fees we found.
allstate has a low naic complaint rate of 0.63. this means that it received only 63% of the complaints that a typical company of its size.
we were very impressed with the range of discounts allstate offers, including savings for having multiple policies, paying in full, and having safety features on your motorcycle.
however, allstate was the most expensive company we surveyed, with an annual rate of $1,129. that’s $176 per year more expensive than the state average and $427 more expensive than the cheapest option.
best for daily riders: dairyland
if you use your bike to go to work and ride around the city in michigan, you should look for dairy. the company offers several features that appeal to the everyday rider.
roadside assistance provides service for events such as battery issues, a flat tire, or mechanical issues, as well as 24/7 towing. rental reimbursement provides money to rent a vehicle for up to 30 days while your motorcycle is repaired.
If you don’t have another vehicle, that combination can prove valuable if something goes wrong down the road.
Although Dairyland is often on the more expensive side among motorcycle insurance companies, that is not the case in Michigan. its annual rate of $962 per year was only $9 more per year than the state average.
However, the company does not have a strong reputation for customer service, scoring 2.69 on the naic complaint index. That means the company receives 169% more complaints than expected for a company of its size, a sign that the company isn’t leaving customers as satisfied as it could be.
affordability: finding affordable motorcycle insurance in michigan
Finding an affordable motorcycle insurance rate can save you hundreds of dollars a year. we collect quotes from all over michigan to find the cheapest option for michigan passengers.
The cost of motorcycle insurance varies significantly based on factors about you and your driving history. This includes things like where you live, what type of 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 collected quotes from a 45 year old owner with 20 years of motorcycle experience who rides a 2021 Harley-Davidson FLHX Street Glide.
We do not recommend that insurance buyers simply opt for the cheapest prices, nor do we recommend that passengers choose the legal minimum of coverage. You should purchase enough coverage to protect yourself if you or someone else is injured in an accident, while staying within your insurance budget.
Our selected coverage levels were:
Coverage Options: Comparing Motorcycle Insurance Policies and Benefits
All of the insurers we review offer enough coverage to meet the legal minimum for insurance in Michigan. but the variety and usefulness of an insurer’s additional coverages can set it apart. this includes things like original parts coverage and rental reimbursement.
customer service: evaluating the quality of insurers in service and claims
To determine which Michigan motorcycle insurance company has the best service, we used several data sources, including the National Association of Insurance Commissioners Complaint Index and the AM Best Financial Strength Rating.
motorcycle insurance in michigan: costs by city
In addition to an overall statewide average, we also determined the average cost of insurance by city for the top locations in Michigan. Use the table below to compare your motorcycle rates with those of your neighbors.
If you want to see how motorcycle insurance rates in Michigan compare to prices nationwide, take a look at Valuepenguin’s national study on the cost of motorcycle insurance.
michigan motorcycle insurance requirements
To legally drive a motorcycle in Michigan, you must purchase a motorcycle insurance policy that meets the minimum coverage amounts:
however, you need not worry too much about reaching these limits in practice. Insurance companies don’t sell policies that don’t meet the legal minimum, so any policy you buy will include sufficient coverage.
frequently asked questions
Training Class: Take a state-approved training course. These courses cover the basics of safe motorcycle riding and all pertinent laws. You will receive a certificate of completion that you can take to the DMV, where you will take an eye exam and receive your license. If you are under 18 years old, you have to take this course to get motorcycle homologation.
Learn on your own: If you know an experienced cyclist, you can let them teach you. however, you will first need to go to the dmv to take a written test. You’ll also need to go back to the dmv to take a road test, just like you would to get a driver’s license.
We pulled together over 100 motorcycle insurance quotes from across Michigan to determine the average cost of coverage in the state. All quotes are for a 45 year old male driving a 2021 Harley-Davidson FLHX Street Glide. Our driver is a married homeowner who has been riding motorcycles for 20 years. the rates of other users may vary.