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Wisconsin motorcycle insurance

A ride through Wisconsin is a journey through some of the most beautiful landscapes in America. You can experience shaded canopies along tree-lined roads, while rivers and lakes accompany you from one place to the next.

This journey also provides you with plenty of opportunities to try some delicious cheese curds, great beer, and butter burgers—burgers topped with a generous pat of butter. With so much to enjoy, you'll want to get your motorcycle insurance squared away so that nothing gets between you and this great ride.

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’ve got 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 (BRC)
  • 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.

What are the motorcycle insurance requirements in Wisconsin?

The following coverages of motorcycle liability insurance are mandatory in Wisconsin:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $10,000 property damage per accident
  • $25,000 uninsured motorist bodily injury per person
  • $50,000 uninsured motorist bodily injury per accident

Does Wisconsin have any optional motorcycle insurance coverage?

In addition to the motorcycle coverages you already have, you can get other forms of insurance in Wisconsin. We have plenty of options to help protect you and your bike:

Medical payments (limits must be the same on all vehicles)

  • $1,000
  • $2,000 
  • $5,000

Comprehensive and collision coverage

  • Up to $60,000 actual cash value

Comprehensive and collision deductibles

  • $100 
  • $250 
  • $500
  • $1,000 
    – Deductibles may vary between comprehensive and collision.

Wisconsin motorcycle insurance discounts

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

The discounts below help make quality motorbike insurance policies affordable while also providing you with the exceptional service and support you deserve:

Advance quote
Bike replacement
Claim-free renewal
Harley Owners Group (HOG®) member
Motorcycle endorsement
Operator safety course
Prompt payer
Rider group

Grab a free Wisconsin motorcycle insurance quote to discover what savings opportunities you can achieve based on your driving record and other factors.

Motorcycle rides in Wisconsin

  • Wisconsin’s Kettle Moraine Zig-Zag offers motorcycle riders like you an exciting chance to explore the state’s rural roads and unique geography. Our rider’s guide will get you started.
  • Winding its way through west-central Wisconsin, the Kickapoo River Valley is paradise for motorcycle riders seeking a relaxing rural route. Check out our rider’s guide to start planning your trip.
  • The mighty Mississippi River forms much of Wisconsin’s western border, setting a winding course for this scenic motorcycle route. Start planning your Wisconsin Great River Road ride today.


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.

Get insured and ride on.

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