Who Has The Cheapest Motorcycle Insurance In Wisconsin?

Who Has The Cheapest Motorcycle Insurance In Wisconsin?

The cheapest motorcycle insurance company in Wisconsin is Progressive, which offered us a rate of $336 per year — $143 cheaper than the state average.

Compare Motorcycle Insurance Quotes in Wisconsin

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Motorcycle insurance is the most common way to fulfill Wisconsin's financial responsibility requirement, but it's more than just a legal obligation. Insurance also protects you financially, both as a rider and bike owner. We gathered 150 quotes from across the state to identify the top insurers to fit your needs.

Best motorcycle insurance for most people: Progressive

Progressive is the top motorcycle insurance company for riders in Wisconsin because it pairs the cheapest rates with comprehensive coverage.
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The best motorcycle insurance for most riders in Wisconsin is Progressive. The company has the lowest prices in the state with an average rate of $336 a year — 30% cheaper than the average price among insurers we considered. Progressive also offers a wide range of discounts to make its policies even more affordable.

Progressive provides riders with very comprehensive coverage, which includes:

  • Full replacement cost and no depreciation for parts: After an accident, your bike will be returned to preaccident condition or better.
  • Original equipment manufacturer (OEM) parts replacement: If you have OEM or custom parts on your bike, repairs will be made with the same or better parts for riders with comprehensive and collision coverage.
  • Accessories and custom parts/equipment (CPE): Policies automatically include $3,000 to cover upgrades, equipment, customizations and your bike accessories, with the option to add on up to $30,000 of additional coverage.

Progressive customers can also add on extra coverage options, like roadside assistance, trip interruption, disappearing deductible and enhanced injury protection.

Best for young riders: Geico

Geico offers the best motorcycle insurance policies for young riders in Wisconsin, with some of the cheapest rates, the option to pay in installments and a large menu of discounts.
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Geico is the best insurer for young riders because it consistently offers some of the most affordable motorcycle insurance policies in Wisconsin and offers payment plans that benefit riders on a budget. On average, Geico policies cost $370 a year. While it is not the cheapest rate in Wisconsin, Geico is still 23% cheaper than the average price statewide.

Along with competitive rates, Geico offers riders additional discounts that can lower rates even further, including:

  • Up to 10% off when you transfer your motorcycle insurance from another company.
  • Up to 10% off for completing a motorcycle safety foundation or military safety course.
  • Up to a 5% discount on your motorcycle policy if you also insure your car with Geico.

Geico also gives riders the option to pay in installments instead of all at once. This is helpful for young riders on a budget because they can avoid paying for a full policy up front.

Best for military families: USAA

USAA offers its members discounted motorcycle insurance from a company with excellent coverage options.
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Military members, veterans and some of their family members can get a great deal on quality motorcycle insurance in Wisconsin 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 of Progressive's great rates, which are already the lowest in the state with an average annual price of $336 before discounts.

Riders who are eligible for USAA can also benefit from the best customer service ratings in the state. USAA scored a 0.85 on the National Association of Insurance Commissioners (NAIC) complaint index, meaning it received only about 85% of the expected number of complaints for a company of its size. USAA also received the top rating from AM Best — A++ — showing that it is in an excellent position to pay out claims, even in difficult financial conditions.

Best-rated Wisconsin motorcycle insurers

When you're shopping for motorcycle insurance, choosing an insurer that you can depend on is just as important as finding the best rate. The two ways we measure a company's level of service are the NAIC complaint index and the AM Best financial strength rating. Among Wisconsin motorcycle insurers, USAA has the best customer service score and maintains the highest rank for financial strength.

Insurer
NAIC complaint index
AM Best FSR
Allstate0.87A+
Geico1.32A++
Nationwide1.05A+
Progressive1.22A+
USAA0.85A++

The NAIC complaint index compares a company's number of complaints to its share of the market. The average score is 1.00, and lower numbers equate to a better performance. A company with a better AM Best rating is in a better position to pay out claims, even in difficult financial conditions.

Cheapest motorcycle insurance companies in Wisconsin

We collected motorcycle insurance quotes from across the state to determine the most affordable option. We found that Progressive offers the cheapest motorcycle insurance for Wisconsinites, with an average price of $336 per year. The most expensive insurer is Allstate, with an average annual price of $663.

A graph of the lowest motorcycle insurance rates in Wisconsin

Compare Motorcycle Insurance Quotes in Wisconsin

Currently insured?
Insurer
Average annual rate
Progressive$336
Geico$370
Nationwide$465
State average$479
Dairyland$536
Allstate$663

Wisconsin motorcycle insurance cost by city

The five cities in Wisconsin with the cheapest motorcycle insurance rates are scattered around the state, but none of them are near either of the large metropolitan areas. The city with the cheapest motorcycle insurance quotes is Sheboygan, where the average cost is 8% lower than the state average.

The five cities with the least affordable motorcycle insurance rates include the state’s largest city, Milwaukee, as well as three nearby cities.

The city with the most expensive rates is Wauwatosa, where the average rate is 17% higher than the statewide average.

City
Average
Difference from state average
Appleton$456-5%
Beloit$474-1%
Brookfield$4892%
Eau Claire$454-5%
Fitchburg$4913%
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Wisconsin motorcycle insurance requirements

Riders in Wisconsin need to prove financial responsibility to drive legally — they must show that they can afford to foot the bill for any damage or injuries if they are at fault in an accident.

Motorcycle insurance is the most common and practical way to fulfill the financial responsibility requirement.

Riders who choose to carry motorcycle insurance need at least the following amounts of liability coverage:

Coverage
Limits
Bodily injury liability$25,000 per person/$50,000 per accident
Property damage liability$10,000

Riders can also post a bond issued by an insurance company or place a $60,000 cash deposit with the Wisconsin Department of Transportation. Although you are only required to have the minimum limits, we strongly suggest you purchase more coverage if you can afford to.

Methodology

We collected motorcycle insurance quotes from five major motorcycle insurance companies that operate in Wisconsin — Allstate, Dairyland, Geico, Nationwide and Progressive. Our sample rider was a 45-year-old man who rides a 2021 Harley-Davidson Street Glide. The coverage limits we used, which surpass the state minimums, are:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000
  • Collision: Included/$500 deductible
  • Comprehensive: Included/$500 deductible
  • All other coverages: Not included unless legally required

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.