Frequently Asked Questions


Is motorcycle insurance required?

Motorcycle insurance is required in Illinois.

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 motorcycle insurance 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 motorcycle insurance cost?

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

What is motorcycle comprehensive insurance coverage?

Comprehensive insurance coverages pays for replacement or replacement costs if your motorcycle is stolen or damaged by a non-driving related event, including animal collisions. Other covered perils include:

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

What states require motorcycle insurance?

Every state requires motorcycle insurance, except Montana and Washington.

When should I get motorcycle insurance?

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

Where do I renew motorcycle insurance?

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

Can I get motorcycle insurance online?

Yes, you may purchase motorcycle insurance online at

Can you cancel motorcycle insurance in the winter?

Yes, you may cancel your motorcycle insurance in the winter but it may not be the best idea. If your motorcycle is stolen or damaged, you will have to repair or replacement 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 but may insure them if they are used for everyday commuting.

Do you have a question that was not answered? Our agents and customer service representatives are here to help. 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.

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