Frequently Asked Questions

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Motorcycle Insurance Frequently Asked Questions

There are many different kinds of insurance out there. From underinsured motorist coverage, to equipment coverage, to policies that can help you deal with for medical payments. To help inform you of the important aspects of motorcycle insurance coverage, Insurance Navy has put together this helpful comprehensive FAQ guide.

Is motorcycle insurance required?

You will need motorcycle insurance in Illinois. According to state law, you will need to have liability insurance as well, no matter the type of motorcycle you own.

What motorcycle insurance do I need?

Illinois motorcycle insurance requirements are the same as car insurance requirements. Riders must have at least the following coverage amounts:

  • $25,000 of coverage for injuries to or death to a single person in an accident
  • $50,000 of coverage for injuries to or deaths of more than one person in an accident.
  • $20,000 of property damage coverage per accident.

Is it cheaper than car insurance?

The average motorcycle insurance premium is $519, which is lower than the average cost of auto insurance at $942.

How much does it cost?

Insurance costs vary by policy. However, the higher amount of coverage, the higher your insurance premium will be.

What is motorcycle comprehensive insurance coverage?

Comprehensive insurance covers replacement or replacement costs if your motorcycle is stolen or damaged by a non-driving related event. Covered perils include:

  • Fire
  • Theft
  • Vandalism
  • Severe weather
  • Falling objects

What states require motorcycle insurance?

Every state requires motorcycle insurance. Although Montana and Washington have none.

When should I get it?

It is best to buy motorcycle insurance before you buy one. You will be able to get an idea of the financial responsibility involved.

Where do I renew it?

You may renew your policy in person, over the phone, online or through our mobile app.

Can I get it online?

Yes, you may purchase motorcycle coverage online on our website.

Can you cancel it in the winter?

Yes, you may cancel your motorcycle insurance in the winter but it may not be the best idea. If someone steals or damages your motorcycle. You will have to repair or replace it out of pocket.

Will my rates go up if I have an accident?

A claim will most likely increase your rates unless your insurance provider offers accident forgiveness.

What coverages will pay for damage to my custom parts?

Only Custom Parts and Equipment (CPE) coverage helps bikers protect aftermarket accessories.

Are passengers and other riders covered?

Whether or not passengers are covered depends on your policy.

Are racing bikes insured?

Some insurance providers will not insure bikes that are used on racetracks. However, they may insure them if they are used for everyday commuting.

More Information

Do you need more information about liability coverage, bodily injury coverage, or the various types of insurance? Our team is here to help with your motorcycle insurance company needs. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

Additionally, we can help you find a motorcycle insurance quote right on our website. Because we want  to help you save money wherever possible, we offer our insurance quotes completely free of charge. By navigating our website, you can also inform yourself about many useful topics. 

These include tips for repairing or replacing parts after a crash and which services come with our roadside assistance program. You can even learn which types of car insurance coverage may help you cover medical expenses after a car accident.

Lastly, we also have blogs that may help you with any questions you have. Our blogs cover many different topics. From how to keep your car cool in the summer, to proper steps to take after Godzilla damages your car.

*Please review your own policy carefully for details on motorcycle coverage. Coverage varies by policy.