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Michigan Motorcycle Insurance

General Motorcycle Insurance and ATV/Off-Road Vehicle Insurance Coverage Options for Michigan

Rider insures a wide range of motorcycles and ATV/Off-Road vehicles with insurance coverage options to satisfy the needs of our customers. All of our policies insure individuals for recreational use only.

Effective 11/01/2019, Rider Insurance is no longer accepting new policies in Michigan. Please click here for assistance in obtaining a motorcycle, ATV or off-road vehicle insurance quote from InsuraMatch, an affiliated national insurance agency that represents other insurance carriers.

If you are a current Michigan policyholder, your policy will be unaffected by this change until it is scheduled to renew, at which time you will receive a replacement policy offer from another carrier or additional information.

If you are a former Michigan policyholder and you wish to cover your vehicle, please contact your agent or click on the above link to obtain a quote.

All of our standard insurance policies include:

All policies, including moped policies, include uninsured/ underinsured motorist coverage. The limits are set at the liability limits that you choose for your policy, unless you choose lower limits. Uninsured Motorist coverage allows you to obtain payment for damages to your vehicle or injuries caused by an uninsured motorist who is at fault for an accident. Underinsured coverage allows you to obtain payment for injuries caused by an underinsured motorist who is at fault. For a lower premium, you have the option to reduce or reject this coverage.

Each policy protects you if another person, including your passenger, makes a claim that they suffered bodily injury or property damage from an accident that was your fault. You have no obligation to the injured party unless the damages exceed your policy limit.

Insurance Coverage Packages & Options

The State of Michigan requires that all motorcycle operators carry minimum liability coverage. The State of Michigan minimum requirements are $20,000 bodily injury, $40,000 each accident, and $10,000 property damage. A standard liability policy covers bodily injury and property damage to the other party in the event of an accident deemed your fault.

Rider offers a range of liability options higher than the standard liability limits.

$50,000 Bodily Injury - Each Person
$100,000 Bodily Injury - Each Accident
$25,000 Property Damage

$100,000 Bodily Injury - Each Person
$300,000 Bodily Injury - Each Accident
$50,000 Property Damage

$250,000 Bodily Injury - Each Person
$500,000 Bodily Injury - Each Accident
$100,000 Property Damage

This is an optional coverage which pays medical bills in the event you get injured in an accident. The coverage is provided regardless of fault. The basic limit is $5,000. You may purchase a $10,000, $15,000 or $20,000 limit for an additional premium.

Comprehensive:
Also known as “Other than Collision”, comprehensive is when damage is caused by any of the following: breakage of glass, contact with a bird or animal, explosion or earthquake, fire, hail, water, flood or wind, lightning, malicious mischief or vandalism, missile or falling object, riot or civil commotion, smoke or theft. Policy limit for comprehensive coverage is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A. Book to qualify for comprehensive coverage.

Collision Coverage: 
Pays for covered losses caused by impact with another vehicle or object. Policy limit for collision coverage is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A. Book to qualify for collision coverage.

*In Michigan, you also have the option to purchase rental reimbursement coverage if you select physical damage coverage.

Roadside Assistance coverage is included on all policies. It provides towing in the event your motorcycle is disabled.

  • Towing up to 35 miles
  • Mechanical or electrical breakdown
  • Battery Jumpstart
  • Flat tire towing (up to 35 miles)
  • Lockout
  • Emergency delivery of fuel, oil, water or other fluids (does not include cost of fluids).

Up to $8,000 in accessory coverage is included on all policies with physical damage coverage at no additional cost. This includes customized parts and equipment and paint. The coverage is in excess of the $45,000 limit on comprehensive or collision coverage. Additional accessory coverage options ($11,000 Limit & $14,000 Limit) are available for purchase.

Accessory Package Detail Descriptions

This coverage is provided on all vehicles with physical damage coverage. It provides coverage for damage to your motorcycle safety helmet and/or safety apparel resulting from a covered collision loss. It also provides trip interruption coverage for meals and lodging when resulting from an insured peril.

Preferred Operator Discount

A discount is offered to any applicant with a motorcycle driver license, age 26 and over, with a clean driving record, insuring a non-sport / non-high performance motorcycle, 576cc and over, with physical damage coverage.

Sport Bike Safe Driver Discount

A discount is offered to any applicant, age 35 and over with a clean driving record, who is insuring a sport / high performance motorcycle, 551ccs and over with physical damage coverage.

Transfer - A discount is applied to any policy transferring coverage from another insurance company, with no more than a 180-day lapse in coverage. Prior policy number is required.

Multiple Bike - Discount percentage varies based on the number of vehicles and operators listed on the policy.

Loyalty - A discount is applied to all policies renewing with no lapse in coverage. Policies that go under notice more than twice in the prior term are not eligible for this discount.

Home Owner - A discount is applied to all homeowners.

Advanced Quote - A discount is applied to all new policies secured at least 5 days before policy effective date.

Military - A discount applied to all active and former military personnel.

Riding Group - A discount is applied to any policy with a current affiliation with any of the following: HOG, GWRRA, American Legion Riders, LAMA, Red Knights, ABATE, USAA, Rider Employee or AMA. Membership number is required.

Claims Free - A discount is applied to all renewal policies with no losses the prior 3 years with Rider.

Rider Experience - A discount of is applied on policies with operators with at least 3 years of on road riding experience.

Smart Rider - A discount is applied to each vehicle to which an applicant with no tickets and no at fault accidents within the last 3 years is assigned.

Anti-Lock Brake - A discount is applied on all vehicles with anti-lock brakes. Automatically applied based on Highway Loss Data Institute (HLDI) database.

Anti-Theft - A discount is applied to the comprehensive coverage on all vehicles with a permanently installed anti-theft device.

Safety Course - A discount is applied to each vehicle to which an applicant who has completed a safety course is assigned. A completion certificate must be provided. Discount is good for 3 years from completion date.

Safety Instructor Course - A discount is applied to each vehicle to which an applicant who has completed a safety instructor course is assigned. A completion certificate must be provided. Discount is good for 2 years from completion date. If this discount applies then the safety course discount does not also apply.

Motorcycle Driver’s License - A discount is applied to the vehicle(s) to which an applicant who has a valid motorcycle endorsement is assigned. Discount varies based on vehicle type.

Important: Information on this page is intended to be advertising statements, and is not an offer or promise of insurance coverage, nor should this information be relied on when determining actual terms, conditions and exclusions which apply to a specific insurance policy.