I betcha that the rates in Michigan and the Detroit area are higher in many cases...Cost to insure a 2014 Ford Explorer in the city is about $5,000 a year...Don't know about bikes as I , thank God, do not live in Detroit...Michigan has the most stupid catastrophic no-fault laws in the nation....80% of the folks in the city drive without insurance as they cannot afford to buy it.....I refuse to go into the city for many reasons and drivers without insurance is only of them...Done with may rant,,,,Sorry!!!