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Comprehensive Local Motorcycle Insurance Guide

Michigan Motorcycle Insurance

Motorcycle Registrations in MI

^ There are 266,489 registered motorcycles in Michigan, the 10th highest number in the nation. [1]

Motorcycle Insurance in MI by City

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Motorcycle Insurance Providers in Michigan

MI Motorcycle Insurance

MI Motorcycle Insurance in Michigan

Motorcycle Insurance Coverage Requirements in Michigan

  • Minimum Liability Limits in MI: 20/40/10 [2]
    • 20  Required coverage up to $20,000 for one individual injured in an accident
    • 40  Required coverage up to $40,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident

  • Insurer Verification of Insurance in MI [2]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

Michigan Motorcycle Insurance Liability Requirements

Required Motorcycle Insurance Coverage in Michigan

Mandatory motorcycle insurance coverage for riders in the state of Michigan.

  • Motorcycle Insurance Requirements in MI [2]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Personal injury protection coverage

Motorcycle Helmet Laws in Michigan

    • Motorcycle helmets required for 20 and younger. [3]

Motorcycle Insurance Laws & Regulations in Michigan

Motorcycle License Regulations in Michigan [4]

Detailed information about Michigan laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

Motorcycle License Regulations in Michigan
  • Motorcycle License Laws in MI
    • A person, before operating a motorcycle upon a public street or highway in this state, must procure a motorcycle endorsement on the operator's or chauffeur's license.
    • Before a person who is less than 18 years of age is issued an original motorcycle endorsement on an operator's or chauffeur's license, the person must pass an examination and a motorcycle safety course.
    • A person, before operating a moped upon a highway, must procure a special restricted license to operate a moped unless the person has a valid operator's or chauffeur's license. A special restricted license to operate a moped may be issued to a person 15 years of age or older if the person satisfies the Secretary of State that he is competent to operate a moped with safety.

Motorcycle Equipment Laws in Michigan [4]

Various regulations and laws in Michigan regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

  • Motorcycle Equipment Laws in MI
    • A person under age 21 operating or riding on a motorcycle on a public thoroughfare shall wear a U.S. DOT approved crash helmet. Persons age 21 and older must wear a helmet unless they have had a motorcycle endorsement for at least 2 years or have passed a motorcycle safety course, and have $20,000 in insurance.
    • Eye protection required by law unless equipped with windscreen and is required at speeds over 35 mph.
    • A motorcycle must be equipped with adequate seats and foot rests or pegs for each designated seating position.
    • Handlebars may not be higher than 15 inches from the lowest point of the undepressed saddle to the highest point of the handle grip of the operator.
    • There is no passenger age restriction in Michigan.

Rider & Driver Facts in Michigan

Rider & Driver Facts in Michigan

Michigan Motorcycle Registrations

  • Registered Riders in MI [1]
    • In 2012, Michigan totaled 266,489 motorcycles registrations.
    • This number ranks 10th in the United States by state (including Washington, D.C.).
    • Note: MI ranked 8th in the nation in total auto registrations (all vehicle types) in 2011.

Michigan Highway Facts

  • Speed Limits in MI [3]
    • Rural interstates: 70 mph (Trucks: 60 mph)
    • Urban interstates: 65 mph
    • Other roads: 55 mph
  • Consumption of Motor Fuel in MI [5]
    • Michigan ranked 10th in the U.S. in 2011 in total motor fuel consumption.

Michigan Accident Reporting Regulations

  • Accident Reporting in MI [4]
    • Crashes are required to be immediately reported in cases of death or injury.
    • Crashes are required to be immediately reported if property damage exceeds $1000.

Additional information about Michigan

About Michigan

Michigan as a whole has an approximate population of 9,883,640, which ranks 10th in the nation. [6]

MI Motorcycle Insurance

MI Motorcycle Insurance

To learn more about Motorcycle Insurance in Michigan, or for additional resources related to Michigan Motorcycle Insurance, visit the Michigan Department of Insurance.

Did you know?

The number of miles you typically ride per a year and where you store your bike can directly affect your motorcycle insurance rates.

Michigan Cities


1. ^ Federal Highway Administration

2. ^ Property Casualty Insurers Association of America (PCIAA)

3. ^ Insurance Institute for Highway Safety (IIHS)

4. ^ AAA Digest of Motor Laws and/or Michigan DOT

5. ^ U.S. Department of Transportation

6. ^ United States Census Bureau (2010)