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Here in Wisconsin you are required to wear eye protection and if you are under 18 or only have a learners permit you are required to wear a helmet.
Personally I think your insurance rates should drop if you don't wear a helmet as you chances of death decrease and medical coverage for motorcycle accents tend to be $1,000 per accident and that wouldn't cover much more then the ride to the hospital.
I've always ridden my motorcycles and mopeds with a full face helmet and my first helmet lasted me 10 years, after that it had so many chips from gravel flying in my face and bug splatters embedded in it that I couldn't imagine what it would be like to have had all of that junk hit my face.
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