michigan motorcycle insurance

How better to take in the sights of Michigan — from its freshwater coastlines to rugged mountain ranges — than to cruise through the state on your motorcycle? With affordable motorcycle insurance rates on your side, you can fully enjoy all the beauty the Wolverine State has to offer.

Even though we don't insure Michigan bikers yet, we still want to make sure you're getting the most bang for your buck. Start a Michigan motorcycle insurance quote on our hassle-free website and begin customizing a policy with our partner in mere minutes to see how much money you could be saving.

what our customers say


My last insurance company was so complicated. I love how easy and accessible Esurance is. I can print what I need when I need it, and the customer service is the best I've ever experienced.

— Paul, Florida


I filed a claim online and was called within 30 minutes. My rep was very helpful and informative — but most of all she was human. It made an odd situation easy to work through.

— Jordan, Massachusetts


You guys get it and you rock! I love dealing with efficient companies without all of the red tape and corporate stuffiness! Thank you Esurance for being awesome and providing a good service.

— Kristoffer, South Carolina

keep tabs on your michigan motorcycle and save

The state that's home to "Motor City" doesn't disappoint when showing its enthusiasm for not just cars — but bikes too. Michigan ranks in the top 10 nationwide for total registered motorcycles, at over 300,000.

Of course, amid so many bikes, keeping track of your own becomes pretty important. One way to help deter motorcycle thieves (and improve chances of recovery if your precious ride does get nabbed) is by installing a LoJack® antitheft device. And as an added bonus, this could also qualify you for a LoJack discount with our trusted partner.

Start your free quote to see if you stand to benefit from this or other discounts, like Homeowner, Safety Course, or Multi-Policy.

how much motorcycle insurance do i need?

The state-required minimum in Michigan is liability insurance with at least the following amounts:

  • $20,000 bodily injury per person
  • $40,000 bodily injury per incident
  • $10,000 property damage pre incident

If you ever cause an accident on your bike, liability kicks in to give others' the help they need with damages, protecting your hard-earned savings in the process.

Keep in mind you'll be able to select higher liability limits, as well as a bevy of optional coverages, for your policy when you get your quote.

getting your michigan motorcycle endorsement

Think it's safe to hit the road on your chopper without the proper licensing? Think again. Roughly 58 percent of riding fatalities in the state involve motorcyclists operating their bike illegally.

In Michigan, you must possess a valid drivers license plus a motorcycle endorsement to ride. On top of being legally required, getting your motorcycle endorsement helps ensure you learn the basics of safe riding and proper bike use.

You can earn your Michigan motorcycle endorsement in 2 ways:

  • Complete a certified motorcycle safety course, then pass a vision test and written knowledge exam at a Secretary of State office
  • Pass the vision test and written knowledge exam at a Secretary of State office to qualify for a permit, get road practice using your permit, then complete a skills test through a third-party testing agency

Learn more about why motorcycle endorsements matter and where to find safety courses in your area.

Get a motorcycle insurance quote and see how much you can save.

Or call 1-866-455-1980.