Overall, the cheapest motorcycle insurance in Michigan is offered by Geico with median rate of $40 per month or $484 yearly. However, Progressive, Dairyland and Harley Davidson also offer some of the most affordable rates in the state.
Cheapest Motorcycle Insurance in Michigan
Updated: April 21, 2025
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Key Takeaways
For most riders in Michigan, Geico offers the cheapest motorcycle insurance with average annual rates of $255 for minimum coverage and $713 for full coverage.
Motorcycle insurance in Michigan costs an average of $21 per month for minimum liability coverage and $78 monthly for full coverage policies.
You can save on motorcycle insurance by comparing multiple providers, taking motorcycle safety courses, and getting a full motorcycle license.
Cheapest Motorcycle Insurance Companies in Michigan
Cheapest Provider | Median Monthly Premium | Median Annual Premium |
|---|---|---|
Geico | $40 | $484 |
Dairyland | $41 | $496 |
Progressive | $49 | $583 |
Harley Davidson | $69 | $827 |
*Rates are a combined average of minimum and full coverage premiums for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
Cheapest Motorcycle Insurance by Category in Michigan
While Geico is the cheapest overall for most drivers, this will differ by your profile. So below we've summarized the lowest cost motorcycle insurance providers in Michigan with for the most common rider categories.
Cost Category | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Minimum Liability Coverage | Progressive | $14 |
Full Coverage | Geico | $59 |
Young Riders | Dairyland | $31 |
Seniors | Geico | $45 |
Riders with a Speeding Ticket | Geico | $18 |
Riders with an At-Fault Accident | Dairyland | $16 |
Riders with a DUI | Progressive | $17 |
*Minimum coverage and full coverage picks presented are for a 40-year-old rider with no driving violations who is insuring a 2023 Honda CRF450RL. Young riders are aged 16-25 and seniors are 65-80 for the base profile mentioned. The other cost profiles modify the base profile's driving history.
How Much Is Motorcycle Insurance in Michigan?
The average annual cost of motorcycle insurance in Michigan is around $253 for minimum coverage and $942 for full coverage. These costs make the state the 46th in affordability for minimum coverage and the 4th most expensive overall for full coverage motorcycle policies.
Coverage Category | Average Monthly Premium | Average Annual Premium | % Diff From National Average |
|---|---|---|---|
Minimum Liability Coverage | $21 | $253 | 64% |
Full Coverage | $78 | $942 | 65% |
*Rates are for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
How To Save on Michigan Motorcycle Insurance
Below we'll detail key tips to help you save more on motorcycle insurance in Michigan.
Choose a Coverage Level Beforehand
Knowing what coverage you actually need can save you from being convinced you need a higher-level policy than necessary.
Compare Multiple Providers
In order to get the best pricing, comparing multiple providers apples to apples in terms of coverage can help you save up to 34% on motorcycle policies in Michigan. We recommend that you not only compare multiple companies, but also use multiple means.
Take Advantage of Discounts
Many discounts are available to help you save including a pay-in-full, autopay, and military/membership reduction for most providers. Bundling motorcycle insurance with other policies is also another great way to save if you want to have coverage with your current provider.
Get a Full Motorcycle License
Getting a full motorcycle license instead of just an endorsement can save you a large sum on insurance for your bike. It works as a signal to insurers that you are less risky than other drivers, lowing premiums overall.
Cheap Motorcycle Insurance Michigan: Bottom Line
Our top three picks for affordable motorcycle insurance in Michigan are Geico, Dairyland and Progressive. While these are our recommendations, we urge you to compare options for yourself to get the best deal possible.
Michigan Motorcycle Insurance: FAQ
Below we've answered some frequently asked questions about Michigan motorcycle insurance:
Which company has the cheapest car insurance in Michigan?
Geico offers the cheapest full coverage motorcycle insurance in Michigan with annual rates of $713 or $40 monthly. However, for liability only coverage, Progressive offers the lowest rates of $166 per year or $14 per month.
How much does motorcycle insurance cost for most riders in Michigan?
The average cost of motorcycle insurance in Michigan is $942 per year or $78 monthly for full coverage policies and $253 annually or $21 monthly for liability-only policies.
Do you need motorcycle insurance in Michigan?
Yes, Michigan requires that all riders have motorcycle insurance with at least 50/100/25 in liability coverage.
How We Chose The Cheapest Motorcycle Insurance in Michigan
We chose our cheapest providers based on the following profile for motorcycle riders:
- 40 years old
- Drives a 2023 Honda CRF450RL
- Has a valid motorcycle endorsement
- Clean driving record
For minimum coverage we used state minimum requirements and for full coverage policies, we used a 100/300/50 liability split and a $1,000 deductible for collision and comprehensive insurance.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.