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.
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 | $10 | |
| Dairyland | $15 | |
| Geico | $20 | |
| Harley-Davidson | $20 | |
| Allstate | $31 | |
| Nationwide | $40 | |
Best motorcycle insurance for most people: Progressive
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Editor's rating
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Cost: $10/month
Overview
Pros/cons
Progressive has the most affordable rates in WI and reliable customer service.
Progressive has the lowest prices in Wisconsin, with an average rate of $10 per month for full coverage insurance. That's less than half the average price bikers across Wisconsin pay for coverage and among the very cheapest rates in the country. Progressive also offers a wide range of discounts to make its policies even more affordable.
A standard policy from Progressive also includes coverage that other companies typically charge extra for:
- Full replacement cost for parts: If you need to replace a part after a crash, Progressive will give you enough to buy a new part, not a used one.
- Original equipment manufacturer (OEM) parts replacement: If you have OEM or custom parts on your motorcycle, Progressive will fix your bike with the same or better parts. This coverage comes standard when you get comprehensive and collision coverage.
- Accessories and custom parts and equipment (CPE): Progressive includes $3,000 to cover upgrades, custom parts and your bike accessories. Riders have the option to add up to $30,000 of coverage.
Progressive customers can also add extra coverage options, like roadside assistance, trip interruption and enhanced injury protection.
However, Progressive doesn't offer rental reimbursement coverage. This coverage pays for a rental vehicle while your bike is in the shop after an accident. Progressive may not be the best choice if your motorcycle is your only vehicle and you can't afford to rent a car.
Best for daily riders: Harley-Davidson
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Editor's rating
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Cost: $20/month
Overview
Pros/cons
Harley-Davidson has useful coverage options for daily motorcycle riders.
These coverage add-ons could be essential if your motorcycle is your only way to get around.
- Rental reimbursement coverage pays for a rental vehicle while your bike is in the repair shop after an accident.
- Roadside assistance provides services like towing, a tire change or fuel and oil delivery if your motorcycle breaks down on the side of the road.
Harley-Davidson's price is slightly lower than average in Wisconsin, at $20 per month — $3 cheaper than average. However, it's twice the price of Progressive, the cheapest option statewide. It's worth noting that Harley-Davidson has a lot of discounts, such as for taking a safety course or insuring multiple motorcycles.
Riders aren't always happy with the service they get from Harley-Davidson. The company gets about two-thirds more customer complaints than similar-sized insurance companies. That means it could take longer for Harley-Davidson to pay for repairs after a crash.
Harley-Davidson also doesn't sell car or homeowners insurance. So it's not a good choice if you prefer to get all of your insurance policies from one company.
Best for veterans: USAA
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Editor's rating
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Cost: $10/month
Overview
Pros/cons
Veterans and some of their family members can get a great deal on motorcycle insurance through USAA.
USAA doesn't sell its own motorcycle insurance. Instead, it offers members motorcycle policies through Progressive.
USAA members get a 5% discount off Progressive's great rates, which are already the lowest in the state. USAA members pay an average of $10 per month for full coverage motorcycle insurance from Progressive.
USAA members get all of the same coverage perks as other Progressive customers. These include full replacement cost coverage, original equipment manufacturer (OEM) parts coverage and $3,000 of custom parts protection at no extra cost.
The biggest downside is limited eligibility. You can only apply for USAA motorcycle insurance if you've served in the military, or if your spouse or parent has had USAA insurance at some point.
Additionally, you can't bundle USAA motorcycle insurance with USAA car insurance, even if you have both policies, so you're missing out on possible savings and convenience.
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.
