I live in Maine and I have to carry insurance if I have a plate, at least that is what they tell me. I have full coverage through Dairyland (which I think is out of Wisconsin). It cost $100 a year for full coverage, and $95 a year for the minimum allowed by law. There is a cheaper option here if I get it appraised and it is an antique, but no one in my area does motorcycles, only cars.