Reliable Protection for Riders Across Michigan
Riding a motorcycle in Michigan offers freedom, adventure, and incredible views - but it also brings unique risks that require the right insurance. At the Rich Merso Insurance Agency, we help riders secure dependable, budget-conscious coverage backed by Farmers® Insurance and supported by trusted local expertise.
Our mission is clear: premium protection with honest, straightforward guidance designed for Michigan riders.
Contact UsWhy Motorcycle Insurance Matters in Michigan
Michigan roads and seasonal conditions make proper motorcycle coverage essential. The right policy protects you from:
- Accidents and collisions
- Weather-related damage
- Theft or vandalism
- Medical expenses
- Liability claims
- Uninsured and underinsured drivers
- Damage to custom parts or accessories
Whether you ride daily, seasonally, or on weekends, we help you stay protected.
Motorcycle Insurance Coverage Options
We tailor your policy to your bike type, riding habits, and budget.
Liability Coverage
Helps cover injuries or property damage you may cause to others.
Collision Coverage
Pays for repairs or replacement if your bike is damaged in an accident.
Comprehensive Coverage
Protection from theft, fire, vandalism, storms, falling objects, and animal-related accidents.
Uninsured/Underinsured Motorist Coverage
Important protection if another driver has insufficient insurance.
Medical Payments Coverage
Helps pay medical costs for you or a passenger after an accident.
Optional Add-Ons for Enhanced Protection
Custom parts & equipment coverage, Total loss replacement, Trip interruption coverage, Roadside assistance, Transport trailer coverage, Coverage for helmets, riding gear, and accessories.
We help you build the right coverage - without unnecessary extras.
Why Michigan Riders Choose the Merso Agency
Local Knowledge That Matters
Rich understands Michigan's roads, weather, and riding risks - especially for seasonal riders.
Premium Coverage at a Budget-Friendly Cost
We build policies that balance strong protection with affordability.
Clear, Honest Guidance
You get straightforward explanations with no confusing industry jargon.
Responsive, High-Trust Local Support
If you ever need help with a claim or question, you talk to a real local team - not a call center.
Serving Riders Across the Entire State
From Midland to Saginaw, Bay City, Freeland, Auburn, and all Michigan communities statewide.
Save More With Discounts
We help you qualify for savings like:
- Multi-policy discount (Auto + Motorcycle)
- Responsible rider discount
- Homeowners discount
- Paid-in-full discount
- Multi-bike discount
- Safety course discount
Bundling is one of the best ways to get premium coverage at a lower rate.
Types of Motorcycles We Insure
We provide coverage for nearly all styles of bikes, including:
- Cruisers
- Touring bikes
- Sport bikes
- Standard motorcycles
- Dirt bikes
- Adventure/dual-sport bikes
- Trikes
- Custom or modified motorcycles
If it has two wheels (or three), we can help insure it.
Get a Personalized Motorcycle Insurance Quote
Whether you're insuring your first bike or updating an existing policy, we're here to help you ride with confidence and peace of mind.
Protect your ride with a local, trusted Michigan Farmers® Insurance agent who puts your safety first.