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Rider Insurance Motorcycle License Requirements for Michigan

Rider’s Underwriting Licensing Requirements

Motorcycle License

  • All operators who are 20 years of age and younger operating any motorcycle with an engine size of 501 ccs or greater must have a valid Motorcycle Driver's License.
  • All operators operating a motorcycle categorized as a sport / high performance motorcycle are required to have a valid Motorcycle Driver's License to be eligible for physical damage coverage or for limits of liability higher than the state minimum.

Motorcycle Permit

  • All operators who are 20 years of age and younger operating any motorcycle with an engine size of 500 ccs or less must have at least a valid Motorcycle Permit.
  • Operators who are 21 years of age and older operating a sport / high performance motorcycle are allowed to have a valid Motorcycle Permit, if they are purchasing Liability Coverage by itself, with no physical damage coverage and only at the state's minimum liability limits.

Driver's License

  • Any driver who is not licensed must be assigned to an off-road vehicle or moped for eligibility. An example of an off-road vehicle is an ATV.

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