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Get Michigan’s Most Affordable Motorcycle Insurance

With PLPD’s affordable motorcycle insurance policy, you can protect your finances, as we will help you cover your motorcycle’s repair/replacement costs, medical bills, liability compensations, and even legal penalties. Our cheap motorcycle insurance policy provides a variety of coverage options that you can choose from to financially protect your motorbike from accidental damage, theft, and weather damage at a rate that fits your budget.

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Get Michigan’s Most Affordable Motorcycle Insurance

Why Do You Need Motorcycle Insurance in Michigan?

Riding a motorcycle in Michigan comes with significant risks, especially due to the high number of bike accidents. On average, 3,000 to 3,200 motorcycle crashes occur in Michigan, leading to more than 2,500 injuries and 170 fatalities. Apart from the financial risks, it is legally mandatory to carry motorcycle insurance for motorcycles with an engine capacity of 50cc and beyond. With PLPD’s affordable motorcycle insurance, you can stay legally compliant while keeping yourself and your bike financially protected.

Types of Motorcycle Insurance Coverage Offered by PLPD

When it comes to purchasing a motorcycle insurance policy, it is essential to explore different types of coverage to ensure you make the right decision. PLPD offers a wide range of motorcycle insurance coverage to provide you with the flexibility to determine the best options within your budget, including both mandatory and optional coverages.

Mandatory Coverage

Bodily Injury Liability Coverage (BI)

Bodily Injury Liability (BI) coverage helps pay for medical expenses, lost wages, and even legal fees if you’re responsible for a motorcycle accident that injures someone else. Whether the injuries are minor or severe, this coverage ensures that the other party’s costs are taken care of. This essentially protects you from large out-of-pocket expenses while keeping you financially secure.

Property Damage Liability (PD)

Property Damage Liability (PD) coverage helps pay for repair or replacement costs if you cause damage to someone else’s property in a motorcycle accident. This can include vehicles, fences, buildings, or other structures. With PD coverage, you’re protected from paying these expenses out of pocket, giving you peace of mind while riding.

Medical Coverage (Conditional)

If you ride your motorcycle without using a helmet, it is mandatory in Michigan to carry medical insurance coverage such as PIP (personal injury protection) or MedPay (medical payments coverage). This coverage helps pay for medical expenses for you and your passengers if you’re injured in a motorcycle accident, ensuring you’re financially protected no matter the circumstances.

Optional Coverages

Collision Coverage

If your motorcycle gets damaged or totaled upon hitting another vehicle or object, the collision insurance coverage will pay for its repair and replacement expenses up to your coverage limits. It also protects your bike if it’s hit while parked, ensuring you’re covered regardless of who’s at fault.

Comprehensive Coverage

Comprehensive coverage protects your motorcycle from damage caused by unexpected incidents, such as fire, severe weather, theft, or vandalism. These events are often unavoidable, but with comprehensive insurance, the repair or replacement costs are covered to protect you from unexpected financial burdens.

Roadside Assistance Coverage

Whether it’s due to an accident on the road, a flat tire, dead batteries, or insufficient fuel, your motorcycle may no longer work, leaving you stranded on the road. With PLPD’s roadside assistance coverage, your motorcycle insurance policy will pay for emergency repairs or towing your motorcycle to the nearest repair shop.

Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured Motorist (UI/UM) coverage protects you if you’re involved in a motorcycle accident caused by a driver who has little or no insurance. It helps pay for your medical bills, lost wages, and repair or replacement costs for your bike when the at-fault driver cannot cover the damages, ensuring you aren’t left with hefty out-of-pocket expenses.

Essential Add-Ons

Enhanced Injury Protection

If you need additional coverage to pay the medical bills of you and your passengers, enhanced injury protection is a reliable add-on coverage to provide the extra healthcare costs. With the EIP coverage, you don’t have to worry about paying expensive medical expenses out of pocket, especially if you can’t afford it.

Gap Insurance Coverage

Gap insurance covers the difference between your motorcycle’s actual cash value and the remaining balance on your loan or lease if your bike is totaled or stolen. This add-on ensures you’re not left paying out-of-pocket for the portion of your loan that exceeds your standard insurance payout.

Original Equipment Manufacturer (OEM)

If your bike is repaired using parts from other motorcycles or third-party providers, its performance may no longer be the same, or it can even degrade. Original parts can be difficult and expensive to procure, but with OEM coverage, your motorcycle insurance policy will pay the cost of purchasing and using originally manufactured parts, ensuring its quality and integrity remain intact.

Mandatory Coverage

Optional Coverages

Essential Add-Ons

It is mandatory to have motorcycle insurance for motorbikes with an engine capacity of 50cc and above. To legally own and ride a motorcycle in Michigan, you’re required to carry at least the state-mandated liability and medical coverage. Here at PLPD, we offer every mandatory motorcycle insurance coverage that you need to stay legally compliant, with adequate financial protection within your budget.

Bodily Injury Liability Coverage (BI)

Property Damage Liability (PD)

Medical Coverage (Conditional)

3 Steps to Get Motorcycle Insurance Coverage in Michigan

At PLPD, we believe motorcycle insurance isn’t a luxury; it’s a vital investment to financially protect your bike and your well-being. So, to ensure that, we’ve designed a fast and hassle-free 3-step process to help you activate your motorcycle insurance instantly, or within the same day.

Understand Your Insurance Requirements

Michigan has specific rules for motorcycle insurance, which can be confusing. If you need advice, our agents are here to guide you through the requirements and suggest the right coverage options based on your needs and budget.

Request a Free Quote

Share a few quick details about your motorcycle and coverage needs, and we’ll provide you with an instant, no-obligation insurance quote tailored to your budget.

Purchase and Activate Your Policy

Once you’re satisfied with your coverage, simply finalize your policy, and we will activate your insurance immediately or within a few hours.

Secure Your Motorcycle Coverage

A Motorcycle Accident Can Change Everything: How PLPD Protects You

Motorcycle accidents don’t just come with broken parts, severe injuries, or a fatal demise; they often carry an overwhelming bill that adds a hefty financial toll. Just one bad motorcycle accident can leave you financially crippled with mounting repair expenses, hospital bills, liability compensation, and even expensive legal penalties. Unfortunately, accidents on the road may not be preventable, but with PLPD’s affordable motorcycle insurance policy, you have the option to safeguard your finances and relieve yourself from unexpected financial burdens. So, let us help you and protect you from potential financial disasters.

What Affects Motorcycle Insurance Rates in Michigan?

Understanding what affects motorcycle insurance rates in Michigan can help you make smarter coverage decisions. While state laws, local economic conditions, infrastructure, accident trends, and crime rates all influence premiums, individual factors concerning your age, riding experience, motorcycle type, and past insurance claims have a significant role in determining your motorcycle insurance premiums.

Here’s an overview of the factors that affect motorcycle insurance rates in Michigan.

Riding Record: Accidents, traffic tickets, or DUIs can significantly raise your premiums, whereas a clean riding record leads to lower premiums, discounted rates, and exclusive offers.
Motorcycle Type: High-performance, sports bikes, or custom motorcycles often cost more to insure.
Age and Experience: Younger or less experienced riders typically face higher rates due to higher risk.
Location: Urban areas with more traffic or higher accident rates generally lead to higher premiums.
Coverage Level: Choosing more comprehensive or higher-limit coverage increases your premium. ,
Accident Frequency: Areas with frequent motorcycle accidents often result in higher rates.
Economic Conditions: Local economic factors, like repair costs and inflation, can affect premiums.
Crime Rates: Areas with high rates of motorcycle theft or vandalism may increase insurance costs.

What Affects Motorcycle Insurance Rates in Michigan?

How Much Can You Expect to Pay on Average for Motorcycle Insurance in Michigan?

The cost of your motorcycle insurance policy in Michigan largely depends on the type of coverage you choose. If you’re looking to meet the state’s basic requirements, you can opt for the mandatory minimum liability coverage. If you need complete protection, a full coverage policy is highly recommended to safeguard yourself against accidents, theft, and other unexpected incidents.

On average, minimum motorcycle insurance coverage in Michigan costs around $21 per month ($253 per year), while full coverage premiums average $78 per month ($942 per year). Keep in mind that these are typical estimates; the exact premium you’ll pay will depend on factors such as your motorcycle make and model, riding experience, accident history, location, and previous insurance claims.

How PLPD Helps You Save on Motorcycle Insurance in Michigan?

Motorcycle insurance premiums can vary widely depending on your coverage choices, riding habits, and personal profile. At PLPD, our agents take the time to understand your motorcycle insurance needs and budget, then provide personalized recommendations to help you secure the best coverage at the most affordable rate. Here are some of the ways we help Michiganders save on motorcycle insurance premiums.

Bundle Multiple Policies: Combine motorcycle insurance with other policies, such as home or renters insurance, to take advantage of multi-policy discounts.
Usage-Based Coverage: If you ride less frequently, our telematics or usage-based options let you pay premiums based on your actual riding habits, helping reduce costs.
Choose Coverage Wisely: Our agents help you select only the coverage you need, avoiding unnecessary extras while maintaining adequate protection.
Set Smart Deductibles: We recommend deductible levels that balance affordability with protection, lowering your premiums without compromising coverage.
Leverage Safety Features: Our agents can guide you to include discounts for anti-theft devices, secure storage, and other safety measures to further reduce your rates.
Review Riding History: Our agents will analyze your riding records and insurance claims history to determine whether you qualify for any eligible safe-rider discounts or loyalty incentives.

How PLPD Helps You Save on Motorcycle Insurance in Michigan?

3 Ways to Get Your Motorcycle Insurance Quote With PLPD

Online

You can apply for a free motorcycle insurance quote online.

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Call us directly to get your free motorcycle insurance quote right away

Call+1 989-921-1600

Find an Agent

Connect with a PLPD Insurance Agent in a convenient location nearby.

Contact an Agent

Why Choose PLPD for Motorcycle Insurance in Michigan?

PLPD’s motorcycle insurance is designed to offer the right coverage at the most affordable rates. What sets us apart is our commitment to a fast, hassle-free claims process, ensuring you get the support you need when it matters most. Here are six key reasons why PLPD is the top choice for motorcycle insurance in Michigan.

Affordable Premiums

PLPD provides motorcycle insurance policies that combine quality coverage with budget-friendly rates. We focus on delivering protection that meets legal requirements and safeguards your finances, so you can ride with peace of mind without worrying about excessive insurance costs.

Flexible Coverage Options

Customize your motorcycle insurance policy with PLPD to include mandatory liability coverage, collision, comprehensive, roadside assistance, and more. This flexibility allows you to choose the coverages that fit your riding habits, motorcycle type, and financial priorities for complete protection on the road.

Quick and Hassle-Free Claims

Accidents are stressful enough. PLPD’s claims process is designed to be fast and straightforward, helping you get reimbursement for repairs, medical expenses, and liability costs without unnecessary delays or paperwork, so you can focus on getting back on the road safely.

Expert Guidance

Our experienced agents analyze your motorcycle type, usage, riding history, and insurance needs to provide personalized recommendations. They help you understand your options, choose the right coverage, and maximize savings while ensuring you’re fully protected against potential financial losses.

Multi-Policy Discounts

Save more when you bundle your motorcycle insurance with other PLPD policies, including auto, home, or renters insurance. Our multi-policy discounts allow you to enjoy comprehensive protection across your assets while significantly lowering your overall insurance premiums.

Maximum Protection

PLPD ensures your motorcycle and finances are fully safeguarded. Our policies cover repair or replacement costs, medical bills, liability claims, theft, and unexpected incidents, providing broad protection without overpaying for unnecessary add-ons.

Need to Speak to a PLPD Agent? Our Michigan Offices Ready to Assist You

If you have questions or need guidance, you can call us or visit any of our offices in Flint, Saginaw, or Mt. Pleasant. Our agents are ready to provide personalized advice on choosing the right policy, filing claims, or resolving any insurance-related issue.

PLPD Insurance - Flint

Address: 1391 Bristol Rd, Flint, MI 48507, United States

Phone: (810) 341-5077

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PLPD Insurance - Mt Pleasant

Address: 1237 N Mission St, Mt Pleasant, MI 48858, United States

Phone: (989) 779-9000

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PLPD Insurance - Saginaw

Address: 7950 Gratiot Rd, Saginaw, MI 48609, United States

Phone: (989) 921-1600

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Words from Riders in Michigan Who Rely on PLPD Insurance

At PLPD, we value every rider’s experience. Our Michigan policyholders count on us for affordable, reliable motorcycle insurance, and their feedback reflects the quality of our service. Here are some recent reviews that show why our clients trust and recommend us.

PLPD made getting motorcycle insurance in Michigan so simple. Their agents helped me choose the right coverage for my bike without overspending. Claims were handled quickly, and I felt fully supported throughout the process. Highly recommend!

James R.

Flint, MI

I’ve been a PLPD customer for over three years. Their motorcycle insurance policies are affordable, and the coverage is comprehensive. I had a minor accident last year, and the claim process was smooth and stress-free. I wouldn’t go anywhere else.

Samantha L.

Saginaw, MI

The PLPD team provided excellent guidance on what motorcycle coverage I actually needed. I was able to get the protection I wanted at a rate that fit my budget. Friendly, professional, and reliable service!

Carlos M.

Mt. Pleasant, MI

PLPD made sure I understood all my motorcycle insurance options and helped me save money with a plan tailored to my needs. From quotes to claims, they were responsive and reliable every step of the way.

Derek T.

Grand Rapids, MI

Secure Your Motorcycle Coverage

Frequently Asked Questions (FAQ)

Do I need motorcycle insurance in Michigan?

Yes, Michigan law requires motorcycles with an engine capacity of 50cc or higher to have liability insurance and medical coverage. PLPD offers all mandatory coverage options to keep you legally compliant with several essential coverages, such as collision, comprehensive, gap insurance coverage, and more.

What types of motorcycle insurance coverage does PLPD offer?

Answer toPLPD provides both mandatory and optional coverage, including Bodily Injury Liability, Property Damage, Collision, Comprehensive, Uninsured/Underinsured Motorist, Roadside Assistance, Gap Insurance, and Enhanced Injury Protection among others. the question...

Can I get motorcycle insurance if I’ve had previous accidents?

Absolutely, our agents will review your riding records and insurance claims history to find a policy that provides reliable coverage at the most affordable rate. We even provide special plans for high-risk riders, as we believe that everyone deserves another chance.

What optional coverages should I consider for my motorcycle?

Optional coverages such as Collision, Comprehensive, Roadside Assistance, Gap Insurance, and Enhanced Injury Protection can provide extra protection against theft, accidents, and unexpected incidents.

How can PLPD help me lower my motorcycle insurance premium?

PLPD agents can guide you on multi-policy discounts, telematics/usage-based coverage, choosing coverage that fits your needs, and selecting appropriate deductibles to reduce your premium.

Can I file a claim online or do I need to visit an office?

You can file a claim online, over the phone, or in-person at any of our Michigan offices. PLPD ensures a quick and hassle-free claims process.

What happens if I ride without a helmet?

Michigan law requires additional medical coverage such as PIP or MedPay if you ride without a helmet. PLPD ensures your policy meets all legal requirements.