Motorcycle Insurance

Coverage that rides with you.

From your gear to your bike, get protection that’s built for Michigan motorcyclists.



Motorcycle Insurance is one of the most important ways to protect your property, assets, or business. At The Lapeer Agency, we help clients across Michigan find insurance options that work for their needs and budgets. With nearly a century of experience and access to multiple carriers, we deliver solutions that are tailored—not templated. Whether you’re exploring new policies or reviewing existing coverage, we make the process easy and informed. We take time to explain the details, answer your questions, and recommend options that offer lasting peace of mind. Our local agents are here to help you make confident, well-supported decisions every step of the way. Let’s get you covered the right way.

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What This Insurance Can Cover

Motorcycle insurance is essential for safe riding and financial protection. Here’s what’s usually included in a comprehensive motorcycle policy:

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Collision Coverage

Pays to fix or replace your motorcycle after a crash.

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Comprehensive Coverage

Covers events like theft, fire, and weather-related damage.

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Accessories and Custom Parts

Protects saddlebags, chrome upgrades, and custom work from loss or damage.

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Bodily Injury Liability

Covers injuries you cause to other drivers or passengers while riding.

Frequently Asked Questions

Here are a few of the most common Motorcycle Insurance questions we hear from Michigan clients.

  • Is motorcycle insurance required in Michigan?

    Yes, liability insurance is required. We'll help you meet the state minimum and choose additional protection.

  • Can I pause coverage in the winter?

    You can adjust your policy during off-season months to save on premiums while keeping basic protection.

  • What coverage protects my custom upgrades?

    Accessories and custom parts coverage helps protect things like saddlebags, chrome kits, and aftermarket gear.

  • Does it include roadside assistance?

    It can! We offer plans with optional towing, battery jumpstart, and emergency fuel delivery.