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wisconsin motorcycle insurance

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. Whether you prefer a classic cruiser or the latest super-sport for your ride on the Great River Road or Route 33, you can count on Esurance to provide you with the coverage you need.

When you get a Wisconsin motorcycle insurance quote, you'll see why all Badger State residents can benefit from our 24/7 customer service, hassle-free website, and simple online policy management. What's more, we have some of the most competitive Wisconsin motorcycle insurance rates because all of our policies are built to save you time and money.

Motorcycle insurance discounts in Wisconsin

Riders who get a free 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 1 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.

Homeowners 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).

Paid-in-Full discount
Instead of having to pay in monthly intervals, get some simple savings on your motorcycle insurance by paying your premium all at once.

Recovery Device discount
You can score some sweet savings simply by having a recovery system — not to mention help keep thieves from making off with your bike in the process.

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:

  • Cruisers
  • Limited production cruisers
  • Touring bikes
  • Sport touring bikes
  • Sport bikes
  • Trikes
  • Enduros/dual-sport bikes
  • ATVs and UTVs
  • Dirt and off-road bikes
  • Scooters
  • Mopeds
  • Snowmobiles
  • Golf carts
  • Segways (yes, Segways)

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.

Required Wisconsin motorcycle coverages: liability and uninsured motorist insurance

Wisconsin riders must have liability insurance, which helps cover others' medical bills and property damage if you cause an accident. Uninsured motorist coverage is also required and helps pay your damage and injury expenses 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.

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).

Collision coverage

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.

Comprehensive coverage

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.

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:

  • Monthly
  • 4 installments
  • 2 installments
  • Pay up-front (you could save up to 13 percent with the Paid-in-Full discount)

Related links

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.

Get a motorcycle insurance quote and see how much you can save.

or call 1-866-455-1980