Wisconsin Motorcycle Insurance

Why Get Motorcycle Insurance in Wisconsin
Wisconsin requires anyone who operates a motorcycle to have proper liability insurance. Motorcycle insurance includes several coverage options and liability insurance is one of the most important. Liability coverage pays for bodily injury and property damage that you might cause in case of vehicular accident. It is hard to imagine the huge amount of expenses that an individual may be faced with in order to pay for medical bills, income loss, and pain and suffering reimbursements without the protection of liability insurance.

Aside from the standard types of coverage usually found in motorcycle policies, such as bodily injury liability, property damage liability, medical payments, collision and comprehensive coverage, insurance companies also offer additional protection packages. Specialized motorcycle insurance can provide coverage options like accessory coverage, total loss replacement, uninsured/underinsured motorist coverage, motorcycle roadside assistance, rental vehicle coverage, transport trailer coverage, and trip interruption protection. Don’t run the risk of financial ruin by driving without insurance!

Motorcycle Riding in Wisconsin
Under Wisconsin law, the term motorcycle signifies:

  • A motor vehicle equipped with its own power source and has a maximum of three wheels
  • A motor vehicle capable of traveling at a speed of more than 30 miles per hour while carrying a 150-pound rider in an ideal road condition set-up

The basic requirement to operate a motorcycle in Wisconsin is a class M license or motorcycle instructional permit. To be eligible for a motorcycle license, an applicant must be at least 16 years old and successfully pass a motorcycle road skills test.

Motorcycle License Requirements

  • Proof of Identification
  • If younger than 18, certificate of completion from a state approved driver education course and parental consent are required
  • Passing grade on the Written Knowledge and Motorcycle Road Skills tests
  • Payment of Fees

Applicants may waive the motorcycle skills test if they fulfill the following requirements:

  1. Pass the motorcycle written knowledge test
  2. Complete a state approved basic rider course

Minimum Insurance Requirements in Wisconsin
Wisconsin requires all motorcycle owners to purchase and maintain liability insurance to legally operate their vehicles. You must carry at least these minimum amounts:

  • $25,000 for bodily injury of one person
  • $50,000 for bodily injury of all injured parties
  • $10,000 for property damage in one accident

Methods, other than insurance, of proving financial responsibility in Wisconsin include:

  • A Liability Bond
  • A Cash Deposit