Motorcycle Insurance in Franklin, WI - Compare Quotes & Save
Riding around I-94, WI-100, and local highways in Franklin demands coverage for suburban and highway conditions. We’ll set the right liability, UM/UIM, and MedPay, protect your bike with comprehensive & collision, and schedule accessories-all while unlocking rider discounts.
Wisconsin Requirements (What You Must Know)
Minimum Liability
Current WI minimums are $25,000/$50,000 bodily injury and $10,000 property damage. We’ll quote higher limits that better fit Franklin’s driving conditions.
Medical Coverage
WI doesn’t require PIP, but MedPay can help with medical bills. Consider adding it for comprehensive protection.
Helmet & Eye Protection
WI requires helmets for riders under 18; all riders should wear approved helmets for safety.
Inspection & Lane Splitting
No routine state inspection required, but keep your bike roadworthy. Lane splitting is not permitted in WI.
This is a summary. Your policy controls. We’ll review carrier forms and endorsements with you before binding.
Build the Right Coverage for Franklin Riding
Liability (BI/PD)
- Start at $50k/$100k or higher in suburban areas
- Property Damage: $25k-$50k common
UM/UIM
- Match to your BI limits to protect from underinsured drivers
- Stacking options vary by carrier
MedPay
- Helps with medical bills regardless of fault
- Popular limits: $5k-$25k
Comprehensive & Collision
- Theft, weather, animal strikes, crash damage
- Choose deductibles that fit your needs
Custom Parts / Accessories
- Most policies include a small amount automatically
- Schedule added value for luggage, bars, etc.
Roadside & Trip Interruption
- Towing, jumpstarts on I-94 and local roads
- Hotel/meals after a covered event (carrier-specific)
Safety pays: ABS-equipped models can lower premiums and improve safety on WI roads.
Franklin Riding Realities (and How We Insure Around Them)
- Suburban traffic & highways: From I-94 to local routes, visibility matters-favor higher BI/PD and UM/UIM.
- Theft risk: Garaging and anti-theft devices help; pair with comprehensive coverage.
- Weather conditions: Seasonal riding; consider appropriate deductibles and roadside assistance.
Getting Your WI Motorcycle Endorsement
Course Path (Recommended)
- Enroll in an approved rider course
- Pass the course; bring completion to DMV
- Add the endorsement
Permit + Testing Path
- Get motorcycle permit (knowledge + vision)
- Practice under permit
- Take road test; add endorsement
Bike Size & Restrictions
Restrictions may apply based on bike size; courses can help waive them.
What Our Customers Are Saying
What Franklin Riders Typically Choose
| Coverage | Common Choices | Notes |
|---|---|---|
| BI/PD Liability | $50k/$100k/$25k or higher | For suburban and highway risks |
| UM/UIM | Match BI | Protects against underinsured drivers |
| MedPay | $5k-$25k | For medical expenses |
| Comp/Collision | $250-$1,000 deductibles | Adjust for riding frequency |
| Accessories | $3k-$10k+ | Document with photos |
| Roadside | Included or add-on | Towing and assistance vary |
Get a Fast Motorcycle Insurance Quote
Answer a few questions about your bike, riding habits, and gear. We’ll compare carriers, match UM/UIM to your BI, and schedule accessories for full coverage.
Get Your Motorcycle Insurance Quote in Franklin
Prefer to talk? Call or text: 833-586-3264.
Motorcycle Insurance FAQ - Franklin, WI
Is lane splitting legal in Wisconsin?
No, lane splitting is not permitted in WI and can result in traffic violations.
Do motorcycles get PIP benefits in WI?
No, WI doesn’t provide PIP for motorcycles. Add MedPay and strong UM/UIM limits.
What are the current WI minimum insurance limits?
At least 25/50/10. We’ll quote higher limits for better protection.
Do I need a helmet?
Helmets are required for riders under 18; all riders are encouraged for safety.
Do motorcycles require inspections?
No routine inspections, but your bike must be roadworthy.
Will ABS lower my premium?
Many carriers offer discounts for ABS due to improved safety.
