Illinois Motorcycle Insurance

Cruising around Illinois on a motorcycle offers an excellent opportunity to take in the midwestern scenery, feel the wind on your back, and enjoy one of your favorite hobbies. Whether you’re riding your bike on scenic routes along Lake Michigan, through the streets of Chicago, or in a suburb like Naperville, you need adequate motorcycle insurance to protect you.

Insurance Navy is your source for affordable Illinois motorcycle insurance. We offer the lowest rates and the best service in over 25 Illinois locations. Request a free motorcycle insurance quote online today to connect with one of our licensed agents and get back on the road.

Motorcycle Insurance Requirements in Illinois

Like virtually all states across the U.S., Illinois requires motorcyclists to carry liability insurance and comply with certain laws regarding the safe operation of their bikes. Our auto insurance agents will ensure that your coverage adheres to all state laws, meets your budget, and protects you in the event of an accident.

Minimum Coverage Requirements in Illinois

Illinois requires all motorcyclists to carry minimum liability coverage. This insurance policy provides peace of mind that you will be able to pay for another driver’s damages in an accident that is your fault. The mandatory minimum motorcycle coverage limits include:

$25,000 for bodily injury liability per person
$50,000 for bodily injury per accident
$20,000 for property damage liability per accident

You must also obtain uninsured/underinsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per accident. This coverage would pay for your injuries in an accident in which the at-fault driver does not have adequate insurance. Carry proof of insurance with you whenever you ride your bike.

Illinois motorcycle insurance policies include uninsured/underinsured motorist coverage equal to the bodily injury liability limit by default. However, you can reject the excess coverage if desired.

Our insurance agents can help you find the most affordable motorcycle insurance quotes while meeting all minimum motorcycle insurance coverage requirements.

Overview of State Motorcycle Laws

Aside from carrying a minimum motorcycle insurance policy, you must adhere to a few statewide laws for operating a motorcycle. These laws are in place to keep you safe and protect other motorists and vehicles on the road.

Have a motorcycle endorsement on your license from Illinois or another state.
Use eye protection or have a windshield installed on your bike.
Turn headlights on during the day and at night.
Align the handgrips below the height of your head while seated.
Only carry passengers if you have a passenger seat and footrest.

Illinois is one of only three states with no laws regarding helmet use. However, our insurance agents and most experts always recommend wearing a helmet when riding motorcycles.

What Types of Motorcycles are covered?

Our motorcycle policies can cover a wide range of types of motorcycles. Some of the following bikes we cover are listed below.

Motorcycles
Touring Bikes
Dirt Bikes
Mopeds
Scooters
All terrain vehicles

Optional Coverages for Motorcycle Insurance

Obtaining basic motorcycle insurance coverage will keep you on the right side of the law and let you ride your bike legally throughout Illinois. However, this minimum coverage policy may not fully cover medical expenses in a serious accident.

Our insurance agents will discuss these types of optional coverage options with you as well. Securing higher coverage on your motorcycle policy can give you peace of mind that a severe accident will not seriously disrupt your finances.

Comprehensive Insurance

Comprehensive coverage pays for non-collision damage to your motorcycle. If your bike were to become damaged in a natural disaster, fire, or vandalism incident, this insurance could pay for the repairs. It can also help recover or replace the bike in the event of theft.

Collision Insurance

Collision coverage is a type of property damage coverage for your bike in the event of a collision, regardless of who was at fault. This coverage protects you against all sorts of collisions, even if your vehicle collides with a tree and no other drivers are involved.

Uninsured/Underinsured Motorist Coverage

Uninsured motorist coverage pays for your medical bills and physical damage to your bike if the at-fault driver does not have insurance. Underinsured motorist coverage offers the same types of benefits in the event that the at-fault driver’s insurance does not adequately cover your damage.

The state of Illinois requires you to maintain the minimum uninsured/underinsured motorist coverage, but you may want to increase coverage limits.

Total Loss Coverage

If you have a relatively new motorcycle, consider total loss coverage. This would pay out the full MSRP of the current model year of your bike if it were to be a total loss in an accident. In contrast, a traditional policy would only include replacement cost coverage of your vehicle.

Insurance companies sometimes offer this coverage for motorcycles that are no more than one or two years old.

Enhanced Injury Protection

Riding a motorcycle can put you at risk of serious injury. Typical medical payments coverage may not fully cover the injuries you sustain in a severe motorcycle accident, not to mention the additional expenses you incur, like loss of income.

Enhanced injury protection could provide up to $250 a week for two years after a crash.

OEM Endorsement

Original equipment manufacturer endorsement makes sure that your bike is repaired with brand new parts from the manufacturer.

Roadside Assistance

You can often add roadside assistance to a motorcycle insurance policy. This would give you access to free or reduced-cost roadside assistance if you experience a flat tire or otherwise become stranded on the road.

Factors Affecting Motorcycle Insurance Costs in Illinois

How much does motorcycle insurance in Illinois cost? Insurance costs depends on a range of factors. When you request a quote through Insurance Navy, we will quote you with several companies to find cheap motorcycle insurance that fully covers your needs.

Many factors affect your bike insurance premiums, such as:

Your age
Your driving record
The age and model of the motorcycle
Your claims history

Some insurance companies offer motorcycle insurance discounts for paying your policy in full, going three years without an accident, completing a Motorcycle Safety Foundation course, or bundling motorcycle insurance with other types of coverage, such as homeowners’ insurance. Allow our insurance agents to explore potential multi-policy discounts to lower your premiums further.

Request an Affordable Motorcycle Insurance Quote in Illinois Today

Motorcycle insurance in Illinois doesn’t need to break the bank. As an independent insurance agency, we work with some of the cheapest motorcycle insurance companies in the state to provide comprehensive motorcycle insurance at the best prices.

Contact us today to request a free motorcycle insurance quote in Illinois. We’ll get a quote from several insurance companies and find the most competitive motorcycle insurance rates available. Then, we’ll talk you through your coverage options and help you make an informed decision. We offer the best customer service with exceptional personalized service to find you the best policy at the lowest price.

Frequently Asked Questions

How much does it cost to insure a motorcycle in Illinois?

It may cost as low as $29 or as high as $100 per month to insure a motorcycle in Illinois, but the cost of motorcycle insurance varies depending on a range of factors. We’ll search for discounts on motorcycle insurance to lower your premiums.

Who is the cheapest insurance company for motorcycle insurance?

The cheapest insurance company for motorcycle insurance depends heavily on your type of bike, driving history, past claims, and related factors. An insurance company that may be the cheapest for you might be the most expensive for another biker, and vice versa. That’s why we always quote rates from several insurance companies to find the most affordable motorcycle insurance in Illinois.

Is motorcycle insurance required in Illinois?

Yes, motorcycle liability coverage and uninsured/underinsured motorist coverage are required in Illinois. We’ll ensure you have adequate insurance coverage under state laws and reiterate other laws you need to keep in mind for safe motorcycle operation.