Wisconsin motorcycle insurance

Illustration of a Wisconsin dairy farm with corn and a cowIllustration of a Wisconsin dairy farm with corn and a cow

Si bien todos los estados tienen ciertas pautas obligatorias con respecto a la cobertura de seguro de automóvil, los límites mínimos varían según el estado. A continuación, se detallan los requisitos de responsabilidad civil mínimos en Wisconsin:

What’s required of all motorcycle riders in Wisconsin?

According to the Wisconsin Department of Transportation, if you ride a motorcycle in Wisconsin, you must have a Class M motorcycle license or a motorcycle instruction permit. To get a motorcycle permit, you’re required to pass a motorcycle knowledge test, a sign test, and a vision screening.

If you’re a rider under 18 years in age, you need to: 

  • Be at least 16 years old

  • Have a sponsor

  • Provide proof of driver's education completion

  • Provide evidence of enrollment in, or completion of, a basic rider course

  • Wear a properly fastened helmet with a chin strap

Passengers under 18 and riders with instructional permits must also wear a helmet.

If you receive a cycle instruction permit, it’s valid for six months. If it expires before you complete the skills test, you’re able to renew it for another six months. If the permit is renewed two times, you’re required to show proof of enrollment in, or completion of, a BRC.

You must wear a protective face shield, glasses, or goggles, unless your bike has a windshield extending 15 inches above the handlebars.

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Prep your bike for Wisconsin's highways

Get your motorcycle in ride-ready shape.

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What are the motorcycle insurance requirements in Wisconsin?

The following motorcycle coverage limits are mandatory in Wisconsin:

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per accident

  • $10,000 property damage liability per accident

  • $25,000 uninsured motorist bodily injury per person

  • $50,000 uninsured motorist bodily injury per accident

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Questions about insurance rates?

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Does Wisconsin have any optional motorcycle insurance coverage?

In addition to the motorcycle coverages you’re required to carry on your policy, you can get other forms of insurance in Wisconsin, including:

Medical payments

This optional coverage can help pay for certain medical expenses you incur following an accident. Limits must be the same on all vehicles:

  • $1,000

  • $2,000 

  • $5,000


Comprehensive coverage can help pay for repairs if your motorcycle is damaged by something other than a collision—for example, theft, vandalism, or weather events like hailstorms.


Collision coverage can apply if your bike is damaged in a collision with another vehicle, or even if it tips over.

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How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

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Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

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Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

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Select the coverages you want.

Wisconsin motorcycle insurance discounts

We offer a wide selection of money-saving motorcycle insurance discounts to Wisconsin riders looking for customizable insurance coverage.

  • Advance quote

  • Anti-theft

  • Bike replacement

  • Claim-free renewal

  • Garaging

  • Harley Owners Group (HOG®) member

  • Homeowner

  • Motorcycle endorsement

  • Multi-line

  • Multi-vehicle

  • Operator safety course

  • Paid-in-full

  • Prompt payer

  • Rider group

  • Transfer

Want to explore Wisconsin's trails as well? Bundle your motorcycle coverage with Dairyland® insurance for your:

Get a Wisconsin motorcycle insurance quote

Whether you're driving through a state park on an ATV, zipping along the Kettle Moraine Zig-Zag on a sport bike, or stopping your cruiser to get a butter burger and some cheese curds (you really should), Wisconsin has plenty to offer you on the road.

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