Wisconsin motorcycle insurance

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

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.

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 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

Motorcycle rides in Wisconsin
A winding boardwalk in the Kettle Moraine State Forest 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.

Rock outcropping over the Kickapoo River, Wisconsin

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.

View of the Mississippi River from the Great River Road

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.

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.

Get insured