Is motorcycle insurance required in Wisconsin?
Wisconsin requires motorcyclists to carry an insurance policy that meets the same minimum coverages established for other motorists. You'll need to get insurance before you can register your motorcycle and hit the road. Learn about minimum and optional coverages, and what you can do to lower your Wisconsin motorcycle insurance premium with our multiple discounts.
How does Wisconsin motorcycle insurance work?
Motorcycle insurance is required in Wisconsin, and the minimum mandated coverage is divided into two types. The first is called bodily injury and property damage liability (BI/PD), and it pays for damages and injuries you cause to others, including their vehicle and other property. State law requires the following minimum coverage limits for BI/PD:
- $25,000 in bodily injury per person
- $50,000 in total bodily injury per accident
- $10,000 in property damage per accident
Wisconsin also requires uninsured motorist coverage for bodily injury only. This coverage helps pay for injuries you sustain if another driver causes an accident but doesn't have insurance to pay for your medical bills. Minimum uninsured motorist coverage limits are:
- $25,000 in bodily injury per person
- $50,000 in bodily injury per accident
Uninsured motorist coverage is often sold together with underinsured motorist coverage as a single coverage and abbreviated UM/UIM. Only uninsured motorist coverage is required under Wisconsin law. If you decide to purchase UIM coverage, your coverage limits must be at least:
- $50,000 in bodily injury protection per person
- $100,000 in bodily injury per accident
Remember that these coverage limits represent the minimum required to comply with Wisconsin law, and you can purchase higher limits if you want more coverage. Increasing your coverage limits will probably raise your monthly rate, however, that may yield more protection for your assets if you have an accident with expensive consequences.
Learn more about uninsured motorist coverage for motorcycles.
Progressive is the most popular carrier of motorcycle insurance in the nation, protecting nearly 1 in 3 of all insured motorcyclists. Get a motorcycle insurance quote in as little as three minutes with our online tools and find out why we're so popular with bikers across the country.
What’s included in a Progressive motorcycle insurance policy in Wisconsin?
When something happens, we're committed to restoring your bike to the condition it was in before the accident — or better. That's why all our policies with physical damage coverage use the same kinds of parts that were on the bike before it was damaged. If you've got parts from the original equipment manufacturer, we'll use OEM parts to repair it. If you've got custom parts, that's what we'll use. Even better, we cover all parts at their full replacement value without depreciation. That way, there are no surprises after an accident — just a bike you recognize.
Policies with comprehensive and collision automatically include $3,000 of accessories coverage to pay for upgrades, modifications, and accessories, so you don't have to re-customize your bike after a crash. You can add more accessories coverage — up to $30,000 — as you upgrade your bike, so you're always protected.
Comprehensive and collision coverage
You can also choose to add comprehensive and collision coverage to protect your bike against damage. Comprehensive coverage covers damage that results from forces outside your control like fire, theft, natural disaster, or incidents with wildlife. Collision coverage pays for damage that results from nearly all kinds of collisions. That means if you cause an accident with another motorist, collision can pay to repair your bike. Collision even covers single-vehicle accidents, like if you hit a tree or an object in the road.
Comprehensive and collision coverages are optional under Wisconsin law, so if you own your bike outright, the choice is up to you. However, most lenders will require you to carry these coverages for the life of your loan. Check the terms to see what and how much coverage is required.
Other motorcycle coverages available in Wisconsin
Optional coverages available on a motorcycle include:
Medical payments can pay for injuries that either you or your passenger sustain, regardless of fault.
Total loss coverage pays the full replacement cost of a new motorcycle without depreciation (minus deductible) in the case of a total loss, if the bike is no more than one model year old on a new policy or two years old on a renewal.
Roadside assistance covers the cost of towing your bike to the nearest mechanic while trip interruption protection can cover costs like hotel or transportation if you're away from home.
Carried contents and personal belongings protects any personal effects you're carrying when a covered loss occurs, including theft.
Enhanced injury protection pays up to $250 a week for as long as two years if you're injured and unable to work due to a covered accident.
Learn more about the available motorcycle insurance coverages.
How much is motorcycle insurance in Wisconsin?
Insurance prices vary greatly depending on factors like your age, location, coverages and limits, the model of motorcycle you ride, your claims history, and more. For instance, motorcycle insurance in Milwaukee might be higher than a smaller town like Green Bay. But overall, Wisconsin is a low-cost state for motorcycle insurance based on Progressive pricing, and rates tend to be less on average than they do nationwide.
Learn more about motorcycle insurance cost.
Where to find cheap motorcycle insurance in Wisconsin
Progressive's adjustable limits, coverages, and deductibles make it easy to find the right balance when you're looking for the best motorcycle insurance in Wisconsin. We'll work with you to create a tailored policy that fits your budget without compromising on coverage. You can save with motorcycle insurance discounts like:
- Switch and save
- Responsible driver
- Safety course
- Quote in advance
Learn more about motorcycle insurance discounts.
Wisconsin winters are no joke, and most riders in the Badger State put their bike in the garage for the winter months. But we recommend that you keep your policy year-round. Some coverages —like comprehensive — can protect your bike even when you're not riding it, and prices can go up when you cancel and purchase a new policy later. Learn more about off-season motorcycle insurance.