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Motorcycle Insurance Requirements/
Wisconsin

WISCONSIN MOTORCYCLE INSURANCE

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Wisconsin offers motorcycle riders some of the most diverse and beautiful terrain in the Midwest. Whether you’re cruising through Madison, touring the Northwoods, or taking a weekend ride to Door County, Harley-Davidson® Insurance is here to keep you protected every mile of the way.

Built by riders, for riders, our motorcycle insurance coverage goes beyond the basics and is tailored for the way Wisconsinites ride. Whether you're on a custom chopper, sportbike, touring model, or any make or model in between. If it’s your ride, whether an H-D model or a metric bike, we’ll help protect it with affordable coverage.

Protect your ride—get a personalized quote now.

WHAT ARE THE MINIMUM MOTORCYCLE INSURANCE REQUIREMENTS IN WISCONSIN?

Whether you're navigating the winding roads of the Kettle Moraine or cruising along the shores of Lake Michigan, Lake Superior or Lake Winnebago, Wisconsin law mandates that all motorcyclists carry motorcycle liability insurance coverage to ride legally.

Mandatory Motorcycle Coverage:

  • Bodily Injury Liability: Minimum of $25,000 per person and $50,000 per accident.

  • Property Damage Liability: Minimum of $10,000 per accident.

  • Uninsured Motorist Bodily Injury: Minimum of $25,000 per person and $50,000 per accident.

These coverages ensure that if you're at fault in an accident or if you're involved in a collision with an uninsured driver, you may have financial protection for injuries and damage.

Proof Of Insurance:

  • Riders must carry proof of insurance at all times. Failure to present valid motorcycle insurance documentation during a traffic stop or after an incident can result in fines and other penalties.

Additional Considerations:

While the state of Wisconsin mandates these minimum liability limits, they may not fully cover all expenses in the event of a serious incident. Many riders opt for additional protections to safeguard their assets and well-being.

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WHAT ARE OPTIONAL MOTORCYCLE INSURANCE COVERAGES IN WISCONSIN?

These additional coverage options can provide peace of mind and financial security in various situations.

Comprehensive Coverage

Comprehensive coverage may protect your motorcycle against non-collision-related incidents such as theft, vandalism, fire, and natural disasters. Given Wisconsin's unpredictable weather, this coverage can be particularly beneficial.

Collision Coverage

Collision coverage may pay for damages to your motorcycle resulting from a collision with another vehicle or object, regardless of fault. This is especially useful for riders navigating Wisconsin's diverse terrains and road conditions.

Medical Payments Coverage

Medical payments coverage may assist with medical expenses for you and your passengers in the event of an incident, regardless of who is at fault. This can be crucial for covering out-of-pocket costs not addressed by health insurance.

Optional Equipment Coverage

If you've added custom parts or accessories to your motorcycle beyond the $1,000 included coverage, this protection may ensure those enhancements are protected against damage or loss.

Roadside Assistance

Roadside assistance offers services like towing, fuel delivery, and flat tire changes, ensuring you're not stranded during unexpected breakdowns.

Rental Reimbursement

If your motorcycle is undergoing repairs due to a covered loss, rental reimbursement may cover the cost of a rental vehicle, keeping you on the move.

RIDE SMART, SAVE MORE: MOTORCYCLE INSURANCE DISCOUNTS IN WISCONSIN

Available Motorcycle Insurance Discounts for Wisconsin Riders:

Save up to 25% per year with the below discounts as your policy ages.

  • H.O.G. Member Discount

  • H-D™ Riding Academy Graduate Discount

  • Military and Law Enforcement Discount

  • Multi-Cycle Discount

  • Home Ownership Discount

  • Prompt Payer Discount

  • Claim-Free Renewal Discount

  • Loyalty Discount

  • Anti-Theft Discount

These discounts are designed to make your ride more affordable while ensuring you have the protection you need.

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Wisconsin Motorcycle Insurance Discounts

Looking for cheap Wisconsin motorcycle insurance? It's here, and you'll experience the quality of service you expect from Harley-Davidson®.

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HOW TO GET A QUOTE

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Have information about yourself and your bike[s] ready.

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Select coverage options.

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Coverages and requirements vary by state. See your policy for complete coverage details.

GET A WISCONSIN MOTORCYCLE INSURANCE QUOTE

Ready to ride Wisconsin’s scenic back roads or head north for a Lake Superior getaway?

Harley-Davidson® Insurance makes it easy to get the coverage you need—fast. Our streamlined quote process is designed for riders, by riders, so you can focus on what matters most: the ride.

With flexible options, exclusive discounts, and trusted protection tailored to the Badger State, there’s never been a better time to switch or upgrade your coverage.

Protect your ride—get a personalized quote now.