Who Has The Cheapest Motorcycle Insurance In Wisconsin?
Progressive is the cheapest motorcycle insurance company in Wisconsin, at $10 per month for full coverage.
Find Cheap Motorcycle Insurance Quotes in Wisconsin
Best cheap motorcycle insurance in Wisconsin
How we chose the top companies
Cheapest motorcycle insurance in Wisconsin
The cheapest motorcycle insurance company in Wisconsin is Progressive, at $10 per month for full coverage.
That's less than half the Wisconsin state average and $5 per month cheaper than the second-cheapest company, Dairyland.
Cheapest insurance companies
Compare Motorcycle Insurance Quotes in Wisconsin
The average cost of motorcycle insurance in Wisconsin is $23 per month for full coverage. That's $9 per month less than the national average of $32.
Cheap full coverage motorcycle insurance quotes in Wisconsin
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | 4.5 out of 5 | $10 | |
| Dairyland | 2.0 out of 5 | $15 | |
| Geico | 2.5 out of 5 | $20 | |
| Harley-Davidson | 3.0 out of 5 | $20 | |
| Allstate | 2.0 out of 5 | $31 | |
| Nationwide | 2.0 out of 5 | $40 | |
Best motorcycle insurance for most people: Progressive
Best for daily riders: Harley-Davidson
Best for veterans: USAA
Wisconsin motorcycle insurance cost by city
Wauwatosa, a Milwaukee suburb, has Wisconsin's most expensive motorcycle rate among major WI cities, at $27 per month for full coverage.
The cities with the cheapest rates are Brookfield, another Milwaukee suburb, and Superior, located near the Minnesota border. Full coverage motorcycle insurance costs an average of $21 per month in both places.
Average motorcycle insurance cost in WI by city
City | Monthly cost | % from average |
|---|---|---|
| Appleton | $22 | -1% |
| Beloit | $22 | -1% |
| Brookfield | $21 | -8% |
| Eau Claire | $22 | -3% |
| Fitchburg | $23 | 0% |
Wisconsin motorcycle insurance laws
Riders in Wisconsin need to prove financial responsibility to drive legally. That means you must show you can afford any damage or injuries if you cause an accident.
Motorcycle insurance is the most common and practical way to meet the financial responsibility requirement.
Riders who get motorcycle insurance need a minimum amount of liability insurance, sometimes written as 25/50/10.
- Bodily injury liability coverage: $25,000 per person and $50,000 per accident
- Property damage liability: $10,000 per accident
Riders can also meet the financial responsibility requirement by:
- Posting a bond issued by an insurance company
- Making a $60,000 cash deposit with the Wisconsin Department of Transportation
Although you only need to have the minimum limits, most riders should get more coverage if they can afford it. That's because the required liability coverage doesn't protect your bike. If you can't afford to fix or replace your motorcycle after an accident, you should consider adding collision and comprehensive coverage.
Frequently asked questions
How much is motorcycle insurance in Wisconsin?
The average cost of motorcycle insurance in Wisconsin is $23 per month for full coverage. However, Progressive offers much cheaper coverage at just $10 per month.
How much is motorcycle insurance in Milwaukee?
Riders in Milwaukee pay an average of $25 per month for full coverage insurance. That's $2 per month more than the Wisconsin state average. Progressive offers the cheapest motorcycle quotes in Milwaukee, averaging around $13 per month.
Is motorcycle insurance required in Wisconsin?
Motorcycle insurance is one way to meet Wisconsin's financial responsibility law. The law requires you to prove you can pay for any injuries or damage you cause in an accident. You can do this by getting motorcycle insurance, posting a bond or making a cash deposit with the Department of Transportation.
Methodology
ValuePenguin collected motorcycle insurance quotes across 30 of the largest cities in Wisconsin from six major motorcycle insurance companies that operate in the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, including higher liability limits than the state requirement and comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
The ValuePenguin team has a combined total of more than 50 years of experience in the property and casualty insurance industry.
About the Author
Lead Writer
Matt Timmons is a Lead Writer on the insurance team at ValuePenguin, where he writes in-depth and timely pieces helping find the right coverage for them.
He's covered insurance at ValuePenguin since 2018, specializing in auto and home insurance, as well as life insurance. He's paid special attention to the EV insurance market, where prices are much higher than for gas cars.
Before he started writing about personal finance, Matt wrote about professional skills and online tools at an e-learning company.
How insurance helped Matt
During freshman orientation in college, Matt's iPod was stolen off his table while he was eating lunch. Luckily, he'd bought a college insurance plan the day before and he had money to buy a replacement before classes started.
Expertise
- Auto insurance
- Home insurance
- Insurance rate analysis
- Life insurance
Referenced by
- CNBC
- Miami Herald
- Yahoo! Finance
Education
- BA, Wesleyan University
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
