I ride a motorbike, and I get plenty of bugs splattered all over my visor and on the front of my fairing, wing mirrors, front forks, on my sleeves, top of my helmet, everyehere. It's not unusual for me to get off my bike and there is a dead fly on the seat as well.
I don't hear the little ones hitting me that make up the majority of splats, but bees and wasps, oh yeah, they make a bang. Sometimes you hit them full on the front of your visor and you spend the next 30 seconds or so watching the gooey mess slowly slide towards the side then disappear.
Riding at night can bring a different insect into your world. You hear a huge bang on your visor, and all you can see is a great big splodge of fluid, but no body parts. I've never worked out what I've hit.