Motorcycle Insurance for Michigan
Michigan motorcycle insurance for riders who actually ride.
From the Tunnel of Trees to the Upper Peninsula, coverage that understands how Michiganders ride.
Michigan at a Glance
Requirement | Details |
|---|---|
Minimum liability | Bodily injury defaults to $250k per person / $500k per accident; you can choose limits as low as $50k/$100k. Property damage liability is $10k. Motorcycles are excluded from Michigan's mandatory no-fault (PIP) coverage. |
Helmet law | Required under 21. At 21+, you can ride without one only if you carry at least $20,000 in first-party medical benefits AND have held your endorsement for 2+ years or passed an approved safety course. Eye protection is required above 35 mph without a windshield. |
Lane splitting | Illegal. MCL 257.660 bars passing between lines of traffic. |
Endorsement | A motorcycle endorsement is required to ride on public roads — earned through a Michigan Rider Education Program course or a skills test (as of September 2026, the endorsement fee is $16). |
Requirements and regulations may change — verify with the Michigan Department of Insurance and Financial Services for the most current information.
What you need to know about Motorcycle Insurance in Michigan
Michigan's Unusual System: 50/100/10 or 250/500/10
Michigan runs its own playbook for motorcycles — no mandatory PIP, a helmet choice that hinges on medical coverage, and a catastrophic-claims fee most riders never hear about. Here's what actually shapes your policy.
Agreed Value for Custom Builds
Your Road Glide with the stage-two kit and a custom seat isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess. Coverage terms, conditions, and availability vary by state and policy.
Rent Your Bike, Keep Coverage
List on Twisted Road or Riders Share without losing your policy. Most insurers won't do this. Roamly works with carriers who may be able to help.
SR-22? We Handle It
Need to get back on the road after a rough patch? Roamly works with carriers that file SR-22s and make the process simple.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times — like a long way from anywhere in the Upper Peninsula. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — whether or not you use Michigan's helmet exemption, your gear is what keeps you in one piece. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Agreed Value for Custom Builds | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. Coverage terms, conditions, and availability vary by state and policy. See policy for details. |
Peer-to-Peer Rental Coverage. Seriously.
You want to list your bike on Twisted Road while you're traveling. Smart move. Most insurers cancel your policy the second someone else touches your throttle. Read the fine print — there's usually a peer-to-peer exclusion buried in there.
Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms. Your bike, your side hustle, your coverage — still intact.
Michigan Requirements Without the Legal Speak.
Here's what the state actually requires: $250k/$500k/$10k liability coverage by default. You can sign a form to drop to $50k/$100k/$10k, but those lower numbers don't go far when someone's hurt. Helmet required under 21; optional at 21+ if you've had your endorsement for two years or completed a safety course, and you carry $20k in medical coverage.
That's it. The rest is about protecting yourself and your build. We'll help you figure out what makes sense for how you ride.
Requirements vary by state — check Michigan's Department of Insurance and Financial Services for current minimums.
Your Sweat Equity Has Real Value.
You didn't spend 200 hours building a custom bike to have it valued at stock KBB. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it can be insured for what it's actually worth. Your labor. Your parts. Your vision. Not some adjuster's guess.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. Michigan law references current as of 2026 — confirm current requirements with the Michigan Department of Insurance and Financial Services and the Michigan Department of State.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Residual liability: bodily injury limits default to $250,000 per person and $500,000 per accident, and you can choose limits as low as $50,000/$100,000. Property damage liability is $10,000. Michigan's mandatory no-fault PIP doesn't apply to motorcycles. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the Michigan Department of Insurance and Financial Services.
If you're under 21, yes. At 21 or older, you can ride without one only if you carry at least $20,000 in first-party medical benefits and have either held your motorcycle endorsement for two years or passed an approved safety course. A passenger 21 or older can also skip the helmet, but only if the passenger or the operator carries qualifying first-party medical coverage — with a passenger on board, the operator's required coverage is per person.
It depends on your bike, riding history, the liability limits and medical coverage you choose, and the coverage you add for your own bike. Michigan motorcycle policies also carry a Michigan Catastrophic Claims Association (MCCA) assessment that insurers typically pass on to the policyholder. A personalized quote is the fastest way to know your number.
Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy. See policy for details.
Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy. See policy for details.
Liability is what Michigan requires — it pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or storm damage. If you're financing, your lender will likely require both.
Michigan can require proof of future financial responsibility in certain cases, such as an unpaid judgment from a crash you caused while uninsured — the notice you receive will spell out the requirement. If another state's SR-22 followed you here, you'll usually need to keep it active until that obligation ends. Roamly works with carriers that file SR-22s. Coverage terms, conditions, and availability vary by state and policy. See policy for details.
Michigan's 2019 reform bars insurers from using your credit score to set auto insurance rates. Whether and how that rule reaches a motorcycle policy can depend on how the carrier writes it, so ask when you quote. Your riding record, bike, and coverage choices are also major rating factors.
Possibly. Motorcycle policies don't include PIP, but if you're injured in a crash involving a car or truck, you may be entitled to PIP medical benefits through that vehicle's insurer, depending on the circumstances. A single-bike crash usually won't qualify, which is why the medical coverage on your own policy matters. Talk to us about what that coverage could look like for you.
Still have questions?
Call us at 877.725.1245
Michigan Motorcycle Insurance in Minutes
Michigan motorcycle insurance for riders who actually ride.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
© 2026 Roamly All rights reserved.