Before you set off with engines a-blazing for an epic motorcycle ride through the Badger State, it’s important to make sure you’re covered with the motorcycle insurance that is customized to you, if you are located in Wisconsin. If you ride less than 3,000 miles a year, the best motorcycle insurance in Wisconsin is offered by VOOM Insurance.
Motorcycle drivers in Wisconsin are required to have insurance and WI is also a tort state, which means you shoulder the expenses of the other person if you’re at fault! This is why it’s so important to have the right coverage.
This is why we at Benzinga have done the work of researching the best companies that provide top-tier motorcycle insurance coverage that fits your needs and budget.
Best for Mile-By-Mile Insurance in WI
Wisconsin Motorcycle Insurance State Minimums
Because prices for motorcycle insurance vary considerably according to each insurer, it can be difficult to determine the balance between cost and coverage.
It’s important to understand the basic level of coverage that’s required and then decide whether you want to add to that coverage. Below you’ll find the state minimum insurance requirements:
Wisconsin State Minimum Insurance Requirements
- $25,000 per person
- $50,000 per incident for personal injuries caused
- $10,000 for property damage
Best for Mile-by-Mile Motorcycle Insurance: VOOM
VOOM is perfect for motorcyclists who ride occasionally, around 3,000 miles or less a year, and store their bike for long periods of time, gotta love those Wisconsin winters! VOOM will work for you because VOOM lets riders customize their insurance throughout the year and only pay for the miles they ride.
While it would be nice to hit the open road year-round, many motorcycle enthusiasts have to store their bikes for weeks and even months throughout the year. This is especially true with the long cold winters in Wisconsin, which means, you could be paying high insurance costs for your bike even when you’re unable to ride.
VOOM pay-per-mile motorcycle insurance offers a solution to this quandary. With VOOM, you’ll pay a low monthly base rate + a per-mile rate based on your miles ridden. Your rate is determined by a few different factors, like the make and model of your motorcycle.
Tracking your mileage is super easy with VOOM — each month, you’ll submit a photo of your odometer, and that’s it. You don’t have to add a physical device or download an app to track your riding or mileage.
Managing your policy online is simple with VOOM, riders can access a variety of other coverage options, such as.
- Liability coverage
- Comprehensive coverage
- Medical payments
- Collision coverage
- Uninsured motorist coverage
- Accessory coverage
VOOM is currently available to riders in Arizona, Illinois, Ohio, Wisconsin, and Indiana.
WI Motorcycle Insurance Law Explained
As far as the legal requirements for insurance in Wisconsin, riders must have liability insurance. Liability insurance covers the other party’s injuries and property damage if you are at fault.
If you want your insurance coverage to help pay for your own medical bills and any damage to your bike, you’ll need comprehensive and collision coverage.
The rate of uninsured drivers in Wisconsin is 13% so you will want to make sure you have adequate coverage.
WI Motorcycle Traffic Laws You Should Know
Just as Wisconsin motorcycle drivers must follow the normal traffic rules of the road, there are also specific laws pertaining to motorcycle drivers.
- All persons under the age of 18 must wear a motorcycle helmet
- Motorcyclists must wear glasses, goggles, or a transparent face shield
- If carrying a passenger, motorcycles must have a passenger seat and footrest
- Headlamps are required and turned on 24 hours a day
- A class M motorcycle endorsement is required to operate a motorcycle in Wisconsin, much like most other states
WI Motorcycle Insurance Rates per Bike
Harley Davidson bikes are one of the most popular types of motorcycles in America. The brand is a symbol of pride for many riders. For sport bikes, Japanese brands like Kawasaki, Yamaha, Suzuki, and Honda are all popular, owing to their extensive use in motorcycle racing tournaments. More traditional brands, like Ducati and BMW, are also highly popular among motorcycle enthusiasts.
If you drive a sportier bike with a greater emphasis on speed, you’ll likely pay more for your insurance because of the higher perceived risk. In addition, if you have a vintage bike or a bike with custom work or accessories, it may cost more to cover it. You may want to purchase additional insurance riders for these, which are added to your policy to provide extra coverage for these specialized parts in case of an accident.
Hit the Road with Confidence
Buying great motorcycle insurance isn’t rocket science. Wherever you live in Wisconsin, you can get the coverage you need at a rate that won’t break the bank. Getting started is easy, You can get free, no-obligation quotes and personalized coverage from each of the providers featured here.
For wherever life takes you, be prepared for the road ahead with the right insurance coverage at the right price so you can ride with confidence!
Money-saving Motorcycle Insurance
Harley-Davidson Insurance Services provides services as a trusted motorcycle insurance agency that knows all about the motorcycle lifestyle. The company stands behind its policies with industry-leading services, coverage and support. You’ll also get money-saving motorcycle insurance discounts and experienced customer service and claims support.