How Much Is Motorcycle Insurance in Michigan?

The cost of motorcycle insurance in Michigan can vary widely based on several key factors. On average, you can expect to pay between $16 and $22 per month for minimum coverage, and around $38 for full coverage. However, your actual premium will depend on variables such as your age, the type of motorcycle you ride, your experience level, where you live in Michigan, and so on.    To get a better sense of why your premium might look the way it does, let’s first take a quick look at Michigan’s minimum motorcycle insurance requirements. It really makes a difference:   

• $50,000 for bodily injury per person 
• $100,000 for bodily injury per accident 
• $10,000 for property damage per accident

Notably, Michigan’s no-fault insurance law does not apply to motorcycles, so you won’t need to carry personal injury protection (PIP) or uninsured/underinsured motorist coverage. In this article, we’ll explore the different factors that influence motorcycle insurance rates in Michigan, give you a breakdown of the average costs, and offer tips for lowering your premium. 
 
Feeling impatient to read a long article? Here’s the TL;DR:  

• Minimum liability insurance can cost as little as $16 per month 
• The average cost for minimum coverage in Michigan is $22 per month or $264 per year 
• Full coverage motorcycle insurance typically costs around $38 per month or $456 per year 
• On average, full coverage can go as high as $78 per month or $936 per year 
• Young riders with poor driving records and high-end bikes pay the highest premiums 
• Sportbikes can cost from $600 to $1,200 per year to insure 
• Detroit is the most expensive city, while Lansing is the least expensive 
• Marital status, gender, and credit score cannot be used to determine your motorcycle insurance premium in Michigan.

Average Motorcycle Insurance Cost in Michigan in 2025

Let’s start with a cost analysis. Several reliable sources have researched Michigan motorcycle insurance rates for 2025. Each study uses different methodologies, which is why the rates vary.  

For example, ValuePenguin conducted research based on a 45-year-old single rider seeking full coverage insurance that combines minimum liability, comprehensive, and collision coverage.   

Based on their findings, the average cost for full coverage motorcycle insurance in Michigan is $37 per month or $444 per year. Riders who choose the cheapest insurance provider could pay as little as $22 per month or $264 per year for full coverage.   

However, these rates can vary significantly. Another study by MoneyGeek reports that the average cost for minimum liability motorcycle insurance is $21 per month, while full coverage averages around $78 per month.  

According to the L.A. Insurance editorial team, the average rate for minimum liability motorcycle insurance ranges from $16 to $22 per month, or $192 to $264 per year. For full coverage, the average cost is $38 per month or $456 per year. However, premiums can exceed $1,000 for young riders with poor driving records who own expensive, high-performance bikes.  

Keep in mind, motorcycle insurance costs can fluctuate widely depending on your age, riding experience, coverage limits, driving record, and other key factors.  

Looking for the cheapest motorcycle insurance policy in Michigan? Contact us today! L.A. Insurance is one of the largest insurance agency franchises in the state. We offer affordable motorcycle insurance quotes instantly to all riders across the Great Lakes State. Call us at (800) 893-9393 for any questions or to get your personalized quote.   

Factors Affecting Michigan Motorcycle Insurance Costs

Every rider is unique, and so are their risk factors. That’s why motorcycle insurance rates in Michigan vary from person to person. For example, if you’re a teen rider under 18, you’ll likely pay much higher premiums than someone in their 40s.   

That’s because younger riders are generally considered higher risk compared to mature, more experienced drivers. So, age plays a major role in determining your motorcycle insurance rate.  

Similarly, other key factors like your location, coverage choices and limits, claims history, and more also shape how much you’ll pay.   
Here are the main factors that directly affect your motorcycle insurance costs in Michigan:  

• Type of Motorcycle 
• Location or City within Michigan 
• Rider’s Age and Experience 
• Coverage Level 
• Driving Record 
• License Status  
• Annual Mileage 
• Safety Features and Anti-Theft Devices 
• Claim History

Type of Motorcycle 

The type of bike you ride in Michigan affects your insurance costs. Insurers typically charge higher premiums for high-powered, expensive, or fast motorcycles. Furthermore, if your bike is frequently targeted by thieves or has high repair costs, your insurance rate will likely be higher.   
For instance, sports bikes tend to be the most expensive to insure due to their higher theft rates and increased crash risk. Cruisers and standard bikes usually fall in the mid-range. Scooters and mopeds are generally the cheapest to insure. 
 
Here’s a sample cost table for insurance based on motorcycle type:

Data: As of October 2025 | Multiple sources  
 
If you want to learn more about how motorcycle type affects your insurance cost, explore these related resources: 

• How much is dirt bike insurance? 
• How much is insurance for a scooter?

Location or City within Michigan

Motorcycle insurance costs are also influenced by where you live in Michigan. Insurers assess your risk based on local factors such as crash and crime rates, claim frequency, traffic density, and the cost of repairs and medical care.   

If you live in a busy urban area with heavy traffic and high repair costs, you’re likely to face higher insurance premiums. On the other hand, riders in rural areas, where traffic is lighter and crime and repair costs are typically lower, usually enjoy more affordable rates. 

Here are the average full coverage motorcycle insurance rates by Michigan city:

Source: ValuePenguin | As of October 2025  

Based on the data, Lansing is the cheapest large city for motorcycle insurance, costing only  
$31 on average. Now, let’s help you understand the most and least expensive cities in Michigan for motorcycle insurance.  

Most Expensive Cities for Michigan Motorcycle Insurance  

Here are the 5 most expensive cities in Michigan for motorcycle insurance: 

• Detroit: $47/month 
• Dearborn: $42/month 
• Southfield: $41/month 
• Ferndale: $40/month 
• Royal Oak: $40/month

Cheapest Michigan Cities for Motorcycle Insurance 

Here are the 5 least expensive cities for insuring your bike in MI:

• Lansing: $31/month 
• Marquette: $32/month 
• Mount Pleasant: $33/month 
• Kalamazoo: $33/month  Jackson: $34/month

Rider’s Age and Experience

Insurers also assess your risk based on age and experience. If you’re a 16-year-old rider with no experience, you’ll likely face the highest premiums when insuring your bike. That’s because younger and newly licensed riders tend to have higher crash and fatality rates per mile compared to mature, experienced riders. Insurers see a greater likelihood of claims from this group, so they charge higher rates.  

According to Michigan Traffic Crash Facts (MTCF), in 2021, 166 motorcyclists were killed and 2,526 were injured. Many of these incidents involved alcohol. Since a large number of young riders aged 16 to 24 are found to engage in risky behaviors, including driving without a helmet or drunk driving, insurers take these statistics seriously when determining premiums.  

In contrast, experienced riders between the ages of 25 and 55 are more likely to ride responsibly. They tend to wear helmets, follow speed limits, and obey traffic laws. As a result, they’re less likely to be involved in accidents or file claims.  

That’s why an 18-year-old rider ends up paying 41% more for full coverage insurance than a 35-year-old (Via ValuePenguin).  

Here’s a table showing the average full coverage motorcycle insurance costs across Michigan: 

Note: Rates are subject to change based on individual factors.  

To know your exact rate in Michigan based on age and other factors for your motorcycle type, please contact L.A. Insurance today. We offer an instant quote for you. You can get your quote, purchase your policy, and get digital proof of insurance fully online.

Learn more about motorcycle insurance costs by age: 

• How much is motorcycle insurance for a 16-year-old? 
• How much is motorcycle insurance for an 18-year-old?
  

Coverage Level

Your choice of motorcycle insurance coverage also affects your rate in Michigan. If you choose liability-only with state-mandated limits, you’ll pay the lowest premium.   

If you need more protection, you might opt for a full coverage motorcycle insurance policy, which includes liability, comprehensive, and collision insurance. This type of coverage comes with the highest premium.  

As mentioned earlier, minimum liability coverage typically costs around $16 to $22 per month. In contrast, full coverage can cost nearly double, ranging from $38 to $78 per month.  

In addition, your minimum liability cost could increase if you choose higher limits for bodily injury and property damage. There are also optional coverages like uninsured/underinsured motorist protection, roadside assistance, personal injury protection, medical payments, and more. The more coverage you add, the higher your premium. It’s as simple as that.  

Apart from coverage and limits, you also need to choose your deductibles. Lower deductibles simply raise your monthly insurance premium, and a higher deductible does the opposite. You can usually choose a deductible between $250 and $1,000.  

Driving Record

Your motor vehicle record (MVR) is one of the key factors in determining motorcycle insurance rates in Michigan. If you’ve had moving violations, speeding tickets, at-fault accidents, or DUIs, you’ll not only face fines and points on your record but also higher premiums when renewing or purchasing a new policy. The more violations you have, the more likely insurers are to label you a high-risk rider, which will result in higher rates in the future.  

License Status

To legally ride a motorcycle in Michigan, you need a valid license or motorcycle endorsement. If you’re young and only have a learner’s permit, you may face higher insurance rates compared to riders with more experience and a full license.  

According to various sources, more than 50% of riders in Michigan who are involved in crashes do not have a valid motorcycle endorsement. Although many insurance providers may still offer coverage to riders without a license, especially if they have valid reasons, such as being a new rider learning to ride, they often charge much higher premiums than they do for riders with a proper endorsement.  

Annual Mileage

Annual mileage also influences your motorcycle insurance rate in Michigan. If you ride less than the average rider, you’re less likely to get into accidents. On the flip side, more miles mean more time on the road and a greater chance of a crash or theft. That’s the law of probability.  

On average, riders drive around 3,000 to 5,000 miles per year. If you ride your motorbike less than that, you might qualify for low-mileage discounts and enjoy more affordable rates.   

Besides, pay-per-mile insurance is also available for those who ride less frequently. If you want lower costs, report accurate mileage to your insurer. You can also consider a low-mileage or storage endorsement for winter months, or bundle policies.  

Safety Features and Anti-Theft Devices

Both accidents and motorcycle theft are covered by insurance. This means that if you ensure robust safety for yourself and your bike, the chances of theft and post-accident damage will be lower. Consequently, your likelihood of filing a claim also goes down.   
That’s why having proper safety features and anti-theft devices on your motorcycle can make you eligible for discounts and help reduce your overall costs. Insurers usually provide discounts for the following proven protection:  

• GPS tracker 
• Anti-lock braking system (ABS) 
• Audible immobilizer alarms 
• Secure garage or storage parking 
• VIN etching or microdot ID 
• Track control or stability control 
• Airbag-equipped gear or jackets 
• Helmet and full safety gear 
• Riders safety or training course certification 

Try to ensure more safety and install anti-theft devices in your motorbike, as it does affect your overall insurance costs.

Claim History

Your insurer counts every claim you file, regardless of which state you live in. More claims mean a greater chance of facing higher premiums at your next renewal. If you’ve already filed multiple claims in the past, including small ones, you’ll be seen as a higher risk. Insurers use that history to predict future losses, so each past claim can raise your premium. In fact, one at-fault claim could raise your insurance rate in Michigan by 50% or more.

Factors That Can’t Be Used to Determine Motorcycle Insurance Rate in Michigan

Michigan law prohibits insurers from using certain personal characteristics and information to determine motorcycle insurance premiums. That’s how the state eliminates discrimination and bias and sets the rates solely based on driving behavior rather than personal attributes.  

In Michigan, your rates cannot be determined by the insurer based on:  

• Gender 
• Marital status 
• Homeownership status 
• Credit score 
• Educational level 
• Occupation 
• ZIP Code (due to 2019 insurance reforms)

How to Get Cheap Motorcycle Insurance in Michigan

Some effective ways can be utilized by riders to lower motorcycle insurance expenses in Michigan.   

• Bundle Policies: Combine your motorcycle insurance with auto insurance, renters insurance, or home insurance policies to get eligible for multi-policy discounts. It can save you from 5% to 20%, sometimes even more, depending on the insurance provider.  
• Take a State-Approved Safety or MSF Course: Complete the Motorcycle Safety Foundation or similar course. Those who have done these courses may be eligible for up to 15% lower rates in Michigan. Keep your completion card and file it with your insurer.  
• Shop Multiple Carriers and Compare Quotes: Since rates can vary widely between insurers for the same riders, try getting at least three quotes from different insurers. By comparing multiple providers in terms of coverage and cost, you can save up to 34% on motorcycle insurance in Michigan.  
• Use Seasonal Lay-Up or Storage Coverage If You Don’t Ride All Year: If your motorcycle spends winter in storage, drop the liability, comprehensive, or collision coverage. Instead, just look for storage protection coverage to lower your cost. Learn whether you can cancel motorcycle insurance in the winter. 

Michigan Cheapest Motorcycle Insurance Provider: L.A. Insurance

When it comes to getting cheaper motorcycle insurance quotes, many options are available to you. However, not all providers understand your unique situation. That’s why choosing a local insurance provider is often the best choice, as they know what you need, when you ride, the local laws, and how you use your motorbike.   

L.A. Insurance offers affordable insurance in Michigan for both high-risk and everyday riders. If you’re comparing motorcycle insurance quotes, call us (800) 893-9393 or get your quote online.  

Michigan Motorcycle Insurance Cost: The Bottom Line

So, how much will motorcycle insurance really cost you in Michigan? On average, expect to pay about 15% more than the national average. For the basic liability coverage, you’re looking at around $16 to $22 per month. If you want full coverage, it’ll likely run you between $38 and $78 a month, more or less.    However, the good news is that there are plenty of ways to bring that rate down. By understanding the factors that impact your premium and using a few of the tips we’ve shared (like bundling policies or completing a safety course), you can lower your costs.  

How Much Does Motorcycle Insurance Cost FAQs

Do you need motorcycle insurance in Michigan?   

Yes. In Michigan, you must carry liability insurance for a motorcycle if you ride on public roads.   

Who has the cheapest motorcycle insurance in Michigan?   

Based on recent quotes, the L.A. Insurance is the best provider when it comes cheapest motorcycle insurance in Michigan.  

Is motorcycle insurance costly in Michigan?   

It can be. Full-coverage average rates for Michigan riders run about $38/month, which is roughly 15% above the U.S. average. Read more about whether motorcycle insurance is expensive or not.  

At what age does Michigan motorcycle insurance go down?   

Motorcycle insurance premiums in Michigan typically drop after age 25, assuming a clean record and better experience.  

Which bike costs the most to insure in Michigan?   

High-performance sport bikes tend to cost the most to insure, because they present a higher risk of theft or accidents.  

What should I do to get an affordable motorcycle insurance quote?  

Get at least three quotes, bundle with another policy, complete a safety course, choose a moderate-value bike, raise deductibles, and ask about multi-policy discounts.  

Is motorcycle insurance cheaper than car insurance?  

Often yes, but it depends. Motorcycles usually have lower vehicle values and fewer optional coverages, yet premiums vary widely by bike type, usage, and rider profile. Read full blog: Is motorcycle insurance cheaper than car insurance?