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Motorcycle Insurance Information

Why do you need insurance for your motorcycle?

You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

  • If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or a passenger is injured in an accident, medical costs can be extremely expensive.
  • If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Your motorcycle may be one of your most prized possessions. It deserves special protection.

Medical Insurance and riding with no helmet in Michigan

Medical Payments coverage is an OPTIONAL coverage that can be purchased with your motorcycle policy.  Unlike an automobile, medical insurance (or Personal Injury Protection) is not guaranteed for a cyclist who is injured in an accident. Medical coverage for injuries may extend from the another drivers policy if the accident involved another vehicle. Cyclists who have accidents that arise without the presence of another vehicle, will not have PIP extended to them for their injuries. Your personal health insurance will help cover at least some the costs, granted the rider has a health insurance policy and the carrier actually covers motorcycle accidents (all things that you need to check with your provider on.) Medical Payments is the optional coverage that can be purchased to cover medical related costs. You can purchase this coverage in increments of $5,000, generally up to a maximum of $250,000 per accident.

With Michigan's recent repeal of the helmet requirement, Motorcyclists can now forgo wearing a helmet and let the wind blow in their hair.  There are a few requirements to do so however, First riders need to be at least 21 years old, Have their motorcycle endorsement for at least 2 years, and carry a minimum of  $20,000 in medical insurance. This coverage can be obtained by either purchasing medical payments coverage along with your policy, or can be extended from your personal health insurance policy. Passengers must also be 21 years of age to go helmetless, and there has to be an additional $20,000 in medical insurance for the passenger, bought either by the passenger or the motorcycle driver.

Click here to see the requirements as defined on

Tips for the cost-conscious rider

Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.
  • Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It's also a good idea for cyclists who have already had accidents.
  • Maintaining a good driving record with no violations will also help reduce your premiums.
  • Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you're a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
  • Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.

Things to consider and questions to ask your agent

Your Independent Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
  • What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
  • How much medical and liability coverage should I have?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What's the process for filing and settling a claim?

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