At Michigan Motorcycle Insurance, we are riders ourselves who know how irritating it can be to pay almost as much to insure your motorcycle as you do to insure your car. We have many years of experience with the insurance market, and we have established relationships that make it simpler, easier, and more cost-effective to get motorcycle insurance in Southfield, MI. Starting your Southfield, MI motorcycle insurance comparison is simple. Enter your zip code to get rolling.
Motorcycle Insurance: Michigan Laws
Michigan riders don’t necessarily have to have a really expensive, full coverage policy. According to state law, only motorcycle liability insurance is mandatory. Liability insurance is insurance for what the policyholder is legally required to pay due to personal injury or property damage caused to another person. Your liability insurance coverage must meet or exceed specific minimum caps for personal harm to others and damages to third party property.
- $20,000: Liability Coverage for Personal Injuries to a Single Party in an Accident
- $40,000: Liability Coverage for Personal Injuries to All Parties in an Accident
- $10,000: Liability Coverage for Damage to Property
Sure, if you just want the most affordable motorcycle insurance in Michigan, just insuring yourself up to these minimums is what you want. However, bear in mind: liability coverage only helps if you are to blame in the collision. Imagine if you are hit by a motorist who doesn’t have insurance? For this, you need Uninsured Motorist (UM/UIM) protection. To protect your bike, you need a comprehensive or full coverage motorcycle insurance policy.
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