Michigan powersports insurance
for every season.

Coverage built for Michigan terrain and seasons

Michigan's four-season climate makes it one of the best states for powersports — and one of the most important to have the right coverage. Snowmobilers on the UP's groomed trails, ATV riders in northern Michigan's forests, and motorcyclists on Lake Michigan shore roads all face different risks. We match coverage to how and where you actually ride.

Powersports vehicles we cover

• Motorcycles — Street, touring, sport, cruiser, and dual-sport bikes. Year-round or seasonal coverage available.
• ATVs & UTVs — All-terrain and side-by-side vehicles for trail riding, farm use, or recreation. Coverage for the machine, accessories, and liability.
• Snowmobiles — Essential for UP and northern Michigan riders. Covers physical damage, liability on trails and roads, and transport.
• Dirt Bikes & Off-Road — Coverage for recreational off-road bikes, both on and off your property.
• Three-Wheelers — Can-Am Ryker, Spyder, and other three-wheeled vehicles typically require their own policy.

What powersports insurance covers

• Liability — Covers bodily injury and property damage you cause to others while operating your vehicle.
• Collision — Pays for damage to your vehicle after an at-fault accident or rollover.
• Comprehensive — Covers theft, fire, vandalism, and weather damage.
• Accessory Coverage — Covers aftermarket parts, custom equipment, and accessories beyond the base machine value.
• Trailer Coverage — Covers your powersports trailer in transit or storage.
• Uninsured Motorist — Protects you from at-fault drivers with no insurance, relevant for on-road motorcycle use.
• Transport Coverage — Some policies cover your vehicle while being trailered to a trail or event.

Michigan snowmobile coverage specifics

Michigan has over 6,500 miles of groomed snowmobile trails, many of which require proof of registration and liability coverage. The DNR's ORV program requires registration for most snowmobiles used on public land. Liability coverage protects you if you're involved in an accident on or off a groomed trail.