Michigan's no-fault auto insurance system requires every motorcyclist who registers a motorcycle to carry:

1. Nothing — motorcycles are exempt from insurance
2. Liability insurance for bodily injury and property damage at the state minimum limits; motorcyclists are not required to buy PIP (Personal Injury Protection) on the motorcycle itself, but should consider first-party medical coverage of at least $20,000 if they plan to ride without a helmet
3. Comprehensive insurance only
4. A bond instead of insurance