Michigan offers some exceptional roads. Don’t forget, if you ride in Michigan motorcycle insurance is compulsory. Right here at Michigan Motorcycle Insurance, we are riders ourselves who know how disheartening it can be to spend nearly as much to insure your bike as your car. We have many years of experience in the insurance market, and we have created partnerships to make it simpler, easier, and cheaper to insure your bike. Starting your motorcycle insurance comparison is straightforward. Just enter your zip code.
Motorcycle Insurance Laws: Michigan
As a motorcyclist in the Wolverine State, you don’t necessarily have to carry a policy that costs an arm and a leg. Under the law, only motorcycle liability coverage is mandatory. Liability insurance protects you for covered losses up to your liability limit if you injure someone, or damage someone’s property, in a car or other accident. Your liability protection must satisfy or exceed specific minimum caps for personal injury to others and damage to third party property.
- $20,000: Liability Coverage for Personal Injuries to a Single Person in an Accident
- $40,000: Liability Coverage for Personal Injury to All Individuals in an Accident
- $10,000: Liability Coverage for Property Damage
Sure, if you are just looking for the least expensive motorcycle insurance in Michigan, only getting insured up to these minimums is what you want. However, keep in mind: liability coverage only protects you against losses for which you are liable. Let’s say you are injured by a driver who has insufficient or zero coverage. To protect yourself, you need Uninsured Motorist (UM/UIM) insurance. To protect your motorcycle itself, you need full coverage or comprehensive motorcycle insurance.
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