Motorcycle Insurance for Wisconsin Riders Who Live to Ride
From scenic routes through the Driftless Area to Milwaukee’s Harley heritage, Wisconsin is built for motorcycles. Whether you’re commuting, cruising, or taking part in a charity ride, motorcycle insurance in Wisconsin isn’t just smart — it’s the law.
We help riders in Brookfield, Milwaukee, Waukesha County & across Wisconsin find policies that fit their ride, their lifestyle, & their budget. Whether you’ve got a Harley, a sport bike, or a custom cruiser, we’ll make sure you’re covered before you hit the road.
Why Motorcycle Insurance Matters in Wisconsin
Motorcycles offer freedom—but also come with more risk. If you're in a crash, your injuries could be serious, and your bike could be totaled. Motorcycle insurance protects:
- You & your passengers if you're injured
- Your bike from damage, theft, or fire
- Your wallet from lawsuits or property damage if you're found at fault
And since motorcycle insurance is required by law in Wisconsin, having a proper policy also keeps you legal.
Coverage Options for Wisconsin Motorcyclists
Liability Coverage
Wisconsin law requires motorcycle riders to carry at least 25/50/10 liability coverage ($25,000 for bodily injury per person, $50,000 per accident, and $10,000 for property damage). We often recommend higher limits for better protection.
Collision Coverage
Covers repair or replacement costs if your bike is damaged in an accident—whether it’s your fault or not.
Comprehensive Coverage
Protects against theft, vandalism, hail, fire, falling objects, or animal collisions—common in wooded areas and rural roads.
Medical Payments
Helps with medical expenses for you or a passenger after an accident, regardless of who was at fault.
Custom Parts & Gear
Optional coverage for aftermarket parts, riding apparel, GPS systems, or other accessories. Especially important if your bike is customized.
Wisconsin Laws, Seasonal Tips & Discounts
Insurance Is Mandatory for Motorcycles
Unlike snowmobiles or ATVs, motorcycles must be insured year-round in Wisconsin. The state doesn’t offer exceptions for private land use.
Seasonal Riders: Ask About Winter Lay-Up Options
Some policies let you reduce coverage in winter when your bike is in storage—while still keeping liability active so your policy doesn’t lapse.
Rider Safety Course Discounts
If you've completed a Motorcycle Safety Foundation (MSF) course or a state rider training program, you may be eligible for discounts.
Multi-Policy & Multi-Bike Discounts
Insuring more than one motorcycle? Or bundling with [auto] or [homeowners insurance]? We’ll help you stack the savings.
What Every Rider Asks Us
Is motorcycle insurance required in Wisconsin?
Yes. All riders must carry minimum liability coverage: $25K per person, $50K per accident, $10K for property damage. Higher limits are strongly recommended.
Does motorcycle insurance cover passengers?
It can—many policies offer optional guest passenger liability coverage. We’ll walk you through the details.
Can I pause my motorcycle insurance during winter?
Some carriers offer winter lay-up plans, which suspend certain coverages like collision while keeping the policy active. This avoids gaps that could affect your rates.
What’s the average cost of motorcycle insurance in Wisconsin?
Rates vary based on your bike, coverage, driving history, and location. But many riders pay well under $300 a year for basic coverage.
What does full coverage motorcycle insurance include?
It usually includes liability, collision, comprehensive, and possibly medical payments. We’ll customize the policy based on your needs.
Other Vehicles We Insure
Got more than one toy in the garage? We also cover:
Ask how we can bundle them all under one plan.
Hit the Road With Confidence
Ready to ride without worry? We’ll compare quotes across multiple carriers, explain your options clearly, and get you covered before your next trip. Request a motorcycle insurance quote today — and we’ll send you a $25 gas card just for reaching out.