Motorcycle Insurance Minimum Requirements in Michigan

Michigan Insurance Requirements for Motorcyclists

To meet the mandatory insurance standards, you'll need at least the following amounts and types of protection:

• $20,000 of coverage for bodily injuries or death involving one person in a single accident.

• $40,000 of coverage for bodily injuries or deaths involving more than one person in a single accident.

• $10,000 of coverage for property damage in a single accident.

Remember, these are just the state minimum amounts of insurance. To be better prepared to handle the possible costs associated with an accident―especially since you're not protected by the state's no-fault policy―you might want to consider much higher levels of coverage.

Smart consumers know they can obtain a lot more coverage for not that much more money by comparison shopping online (or by phone) to find the cheapest premium rates.

How Coverage Affects Helmet Requirements

Some states reduce their financial responsibility requirements for riders who wear a helmet. This isn't the case in Michigan, so you'll have to follow the rules and wear a helmet, and meet the same insurance requirements.

Proof of Insurance and Financial Responsibility

The SOS won't automatically know if you're properly insured by hearing directly from your insurance company. So, it's up to you to have your insurance certificate with you when riding.

Penalties for Failure to Maintain Financial Responsibility

What happens if you have no proof of insurance when requested to show it?

You'll receive a traffic citation. You may be able to have it waived later if you're able to provide proof that you were properly insured at the time you were issued the citation.

If you're caught without having insurance coverage, your license will be suspended and your registration could be canceled. You'll then face at least a $50 penalty and reinstatement fees to be able to ride again. And, of course, provide evidence that you're now properly insured.