wisconsin motorcycle insurance
Find what you need to know about motorcycle insurance in Wisconsin right here. Then ride your way to savings — and peace of mind.
Wisconsin motorcycle insurance basics
With sprawling vistas, gentle hills, and lots of open road, Wisconsin seems tailor-made for motorcycling — that is, as long as you have the necessary motorcycle insurance to back you up.
Required motorcycle coverages: liability and uninsured motorist insurance
Wisconsin riders must have liability insurance, which helps cover medical bills and property damage if you cause an accident, and uninsured motorist coverage, which helps pay your damage and injury fees if you're ever hit by an uninsured driver. You should have at least the following limits:
- $25,000 of bodily injury liability per person
- $50,000 of bodily injury liability per incident
- $10,000 of property damage liability per incident
- $25,000 of uninsured motorist bodily injury coverage per person
- $50,000 of uninsured motorist bodily injury coverage per incident
These are just the minimum requirements. You can always opt for more coverage when you buy your Wisconsin motorcycle insurance policy.
Esurance motorcycle insurance in Wisconsin
Esurance is proud to offer motorcycle insurance to Wisconsin riders. Whether you prefer a classic cruiser or the latest supersport for your ride on the Great River Road or Route 33, you can count on us to provide you with the coverage you need.
Easy policy management
Motorcycle insurance from Esurance comes with a one-year policy term. You can easily manage this policy (and any other Esurance policies) online and pick the payment schedule that works for you:
- 4 installments
- 2 installments
- Pay up-front (you could save up to 13 percent with the Paid-in-Full discount)
Accidents happen. Price jumps don't have to.
At Esurance, we do everything we can to provide money-saving benefits and first-class protection for Wisconsin motorcyclists. That's why we won't increase your premium if you have a claim under $500.
Esurance motorcycle discounts
Wisconsin riders who get a motorcycle insurance quote with us may qualify for these big discounts built to save a ton.
- Antilock Brakes discount
Save just for having this common safety feature.
- Association discount
If you belong to one of 20 preferred rider organizations like the Harley Owners Group or the Honda Gold Wing Road Riders Association, you'll qualify for this easy way to save.
- Homeowner discount
You could save up to 22 percent if you own a home.
- Motorcycle Endorsement discount
Save up to 10 percent simply for having a motorcycle license or endorsement (an extension of your auto license that clears you to ride motorcycles).
- Multi-Policy discount
Entrust your car and motorcycle policies to us and save on both. Discounts will vary.
- Responsible Driver discount
Save 23 to 33 percent for being a careful rider.
- Safety Course discount
Save up to 5 percent if you've completed a state-approved driver safety course within the last 36 months.
- Switch & Save® discount
If you've switched to Esurance from another company within the last month, you can save 15 percent — just one way we like to say thank you to our awesome customers.
Our Multi-Vehicle discount
One of our neatest motorcycle insurance perks is our Multi-Vehicle discount. You can take 15 to 35 percent off your premium for insuring multiple vehicles with us (because we know it can be hard to stop at just one)!
You can protect a wide variety of vehicles with Esurance motorcycle insurance, including:
- Limited production cruisers
- Touring bikes
- Sport touring bikes
- Sport bikes
- Enduros/dual-sport bikes
- ATVs and UTVs
- Dirt and off-road bikes
- Golf carts
- Segways (yes, Segways)
Optional motorcycle insurance coverages
On top of the standard coverages, our motorcycle insurance gives riders in "America's Dairyland" some extra-handy features.
New motorcycle protection
Is your bike brand-new? New motorcycle protection coverage will pay the MSRP on a current-year bike of the same make and model if your ride's ever totaled (cue that sigh of relief).
Trip interruption coverage
If your bike breaks down or you get in an accident on a long ride, trip interruption will cover:
- $100 for lodging
- $50 for alternate transportation
- $50 for food
Yep, that's per day until your bike is fixed (up to $500 per incident).
Esurance motorcycle collision coverage helps repair or replace your vehicle, riding leathers, helmet (up to $500 per helmet), and other apparel if you run into a car, motorcycle, building, or other object.
Because damage doesn't always come from a collision, it pays to protect your bike from risks like flooding, vandalism, or theft.
Optional equipment coverage
Get a whopping $3,000 in optional equipment coverage free when you add comprehensive coverage. And if you need more, you can add up to $30,000 to protect your saddlebags, modified engine, custom paint (Badger red and white perhaps?), and other accessories.
Towing and labor coverage
We'll cover up to $100 if you need a tow to the nearest qualified repair facility.
Wisconsin car insurance
Find out what coverages Wisconsin drivers must have on their auto policies.
Tips for motorcycle safety
We offer 5 pointers to keep you and your bike out of trouble on the open road.
Top 5 reasons to ride a motorcycle
Check out our blog to see why 2 wheels are better than 4.