Michigan Motorcycle Insurance Requirements: 2025 Coverage Guide
🏍️ Minimum Motorcycle Insurance Requirements in Michigan
State law requires riders to carry bodily injury and property damage liability (BI/PD) coverage. This protects your financial responsibility if you cause an accident that injures another person or damages property.
- $50,000 for bodily injury per person
- $100,000 for bodily injury per accident
- $10,000 for out-of-state property damage
💊 Optional Medical Payments Coverage
Medical payments coverage is optional but highly recommended. It pays for reasonable and necessary medical expenses regardless of fault coverage and is usually available from $1,000 to $50,000. If you decline this coverage, your insurer may ask you to sign a waiver.
🚘 Optional Physical Damage Coverage
- Collision Coverage: Covers repairs after an accident with another vehicle or object.
- Comprehensive Coverage: Covers damage from non-collision events like theft, fire, or weather.
If you lease or finance your motorcycle, lenders often require comprehensive and collision coverage with deductibles of $500 or less.
⚖️ When No-Fault Coverage Does Apply
Even though motorcycles aren’t part of Michigan’s no-fault system, a motorcyclist injured in a crash involving a car or truck may still be eligible for PIP benefits from the other vehicle’s insurer. The available coverage will depend on the PIP limits selected by that policyholder.
🧠 Final Tip: Don’t Overlook Safety & Endorsements
To ride legally in Michigan, you must also hold a valid motorcycle endorsement and follow helmet laws as required. Click the link for full details on Michigan Motorcycle Endorsement and Safety Requirements.
📞 Ready to Ride? Get a Local Quote
Do you need help comparing coverage options or adding medical protection? Click below to request your customized motorcycle insurance quote from a local Michigan agent.