Motorcycle Insurance in and around New Richmond

You probably already know that riding a motorcycle without insurance is a straight-up bad idea. Not only could you end up with a hefty fine, but you might also lose your license AND end up in the greybar hotel. Not to worry, your State Farm® agent Frank Steward can supply all your insurance needs, including your motorcycle.

Plus, having insurance can get you back on the road faster and help protect your assets if you’re in an accident. So, it’s not just about following the law - it’s about being a smart and responsible rider. Let State Farm motorcycle insurance help cover you and your Bimota or Indian, whether you're riding around New Richmond or taking a longer run along the St. Croix River valley and the back roads of Northwest Wisconsin. Come ride with us.

Wisconsin requires every motorcycle operator to carry liability insurance with at least $25,000 for injury or death of one person, $50,000 for injury or death of more than one person, and $10,000 for property damage. These are the same minimums required for cars.

Minimum liability only pays for damage you cause to others. To protect your own bike, your gear and your health, most riders add more coverage.

Collision helps repair your bike after a crash, and comprehensive helps with theft, fire, vandalism and deer strikes. Uninsured and underinsured motor vehicle coverage helps when the other driver can't pay. Medical payments can help with medical bills after an accident.

Custom parts, saddlebags and aftermarket equipment may need additional coverage. Tell Frank about any upgrades so they can be accounted for.

Since Wisconsin's riding season is short, some riders ask about adjusting their coverage over the winter. Keep comprehensive in place while your bike is stored, because theft and garage fires can happen in any season.

Does my car insurance cover my motorcycle?

No. A motorcycle needs its own policy. Frank can quote it alongside your auto insurance to keep things simple.

Is a passenger covered?

Coverage for passengers depends on the coverages and limits you choose. Ask about medical payments and liability limits if you often ride two-up.

What do I need for a quote?

Your driver's license with motorcycle endorsement, the bike's VIN, year, make and model, and any safety courses you've completed.

Heading out for longer trips? See RV insurance and boat insurance, or view all insurance options in New Richmond.