By Steve Vander Ploeg
Figures on this page are illustrative sample-profile benchmarks for education and layout — not live market quotes. Actual premiums vary by ZIP, vehicle, coverage, driving history, and underwriting. Ask a licensed agent for a personalized comparison.
What does motorcycle insurance cost?
Michigan motorcycle owners must carry liability security under MCL 500.3103 that meets MCL 500.3009(1) — at least $250,000/$500,000 bodily injury and $10,000 property damage after July 1, 2020, unless lower limits are elected on the director's form. Premiums are not published as a free statewide motorcycle average; sample tables on this page are illustrative only.
| Market | Avg. monthly (sample) |
|---|---|
| MI liability minimum (MCL 500.3009) | $250k/$500k/$10k |
| Optional lower BI limits (form required) | $50k/$100k |
| Statewide motorcycle premium average | Not published |
Key takeaways
What Michigan homeowners should know
- Michigan requires motorcycle liability security (MCL 500.3103) conforming to MCL 500.3009(1).
- First-party medical benefits are offered in $5,000 increments and are required for many helmet-optional riders under MCL 257.658(5).
- Independent shopping means side-by-side options — we do not invent a cheapest carrier.
Free rate check
Are you paying too much for motorcycle insurance?
Michigan motorcycle insurance rates by company
Company-by-company differences can be substantial once bike type and rider history are in the file. Use the sample table as a layout benchmark, then compare personalized quotes.
| Company | Avg. monthly (sample) |
|---|---|
| Carrier A (sample) · Illustrative | $38/mo |
| Carrier B (sample) · Illustrative | $44/mo |
| Carrier C (sample) · Illustrative | $52/mo |
| Carrier D (sample) · Illustrative | $61/mo |
| Carrier E (sample) · Illustrative | $74/mo |
Vander Ploeg data methodology
Minimum liability figures cite Michigan Compiled Laws (MCL 500.3103 and MCL 500.3009) fetched this run. Factor tables use an illustrative sample rider profile and are not live filings or guaranteed quotes. NAIC auto averages exclude motorcycles.
- Sample experienced rider on a mid-value cruiser with liability plus physical damage
- Monthly premium framing for scannability (not an annual bill)
- Carrier names anonymized until verified market data is published
- Bike type, rider age, season length, and deductible can change the premium
- Your personalized quote may be higher or lower than any sample row
Figures on this page are illustrative sample-profile benchmarks for education and layout — not live market quotes. Actual premiums vary by ZIP, vehicle, coverage, driving history, and underwriting. Ask a licensed agent for a personalized comparison.
Compare locally
Shop around for the best rates
The only way to know which company fits your file is to compare. We help you shop options from carriers such as American Modern, Foremost, National General, Progressive, and others available for your ZIP in Michigan.
Enter your zip to get started
Michigan motorcycle insurance rates by bike type
Sport and supersport bikes typically price higher than cruisers of similar value because of theft and severity risk. Sample rows are educational — not a ranking of carriers.
| Bike type | Avg. monthly (sample) |
|---|---|
| Cruiser / touring (sample) | $42/mo |
| Standard / naked (sample) | $48/mo |
| Adventure / dual-sport (sample) | $56/mo |
| Sport / supersport (sample) | $88/mo |
Michigan motorcycle insurance costs by rider age
Younger riders often pay more for the same bike and limits. Sample age tiers illustrate direction of travel, not a quote.
| Rider age | Avg. monthly (sample) |
|---|---|
| 21–25 | $92/mo |
| 26–35 | $58/mo |
| 36–45 | $46/mo |
| 46–55 | $42/mo |
| 56+ | $38/mo |
Michigan motorcycle insurance rates by deductible
Raising a physical-damage deductible can lower premium when you carry collision or comprehensive. Confirm what is covered for custom parts and accessories.
| Physical-damage deductible | Avg. monthly (sample) |
|---|---|
| $250 deductible | $64/mo |
| $500 deductible | $54/mo |
| $1,000 deductible | $46/mo |
| $2,000 deductible | $40/mo |
Licensed Michigan agency
Compare carriers with a licensed Michigan agent
Prefer a person? Call (616) 300-5301
Frequently asked questions
How do I get a motorcycle insurance quote?
Enter your ZIP to start. We ask a few coverage questions, then a licensed agent shops carriers and walks you through options.
Do you write motorcycle insurance in Michigan?
Yes. We place motorcycle policies with carriers appointed for your ZIP, including Progressive and other auto-adjacent appointments where available.
Can you compare more than one company?
Yes. As an independent agency we shop multiple carriers on every file.
Will you call or email me after I start?
Only when you ask — or when an agent needs details to finish your quote. No spam. We never sell your data.
About Vander Ploeg
Vander Ploeg Insurance Agency, LLC is a licensed independent Michigan agency based in Kalamazoo. We are not a carrier. We shop multiple companies, explain motorcycle liability and optional coverages in plain English, and stay on the file after you bind. Educational content on these pages is reviewed by licensed agents and is separate from any carrier relationship.