Motorcycle Insurance: Illinois

Want to save money on Illinois motorcycle insurance?

No matter whether you ride a superbike or a big twin, tracking down the best insurer is crucial. It’s best to buy a motorcycle insurance policy which will provide competitively priced premiums and ample protection.

We do the hard work for you, enabling you to compare plans from top rated insurers – names like GEICO and Progressive – on the web!

Motorcycle Insurance: Illinois Laws

If you live in Illinois, you are required to possess motorcycle insurance. Just what is motorcycle liability insurance? This type of policy is designed to provide insurance protection against the threat of a lawsuit. When a policy holder covered by a liability policy is sued, the insurer is required to get an attorney to defend the case, and pay any judgment covered by the policy.

  • $20,000: bodily injury liability maximum for a single person getting injured in an accident
  • $40,000: bodily injury liability maximum for personal injuries to all people in a single collision
  • $15,000: property-damage liability maximum for a single accident

IL Motorcycle UM/UIM Coverage

Guess how many Illinois road users don’t have insurance? 16%! For us as riders, that’s a real problem. It goes without saying, the bike, including its owner, suffers the brunt of the trauma in an accident with a car or truck. You don’t want to end up being responsible for paying damages for which you were not to blame.

This is why uninsured motorist (UM/UIM) coverage is advisable for motorcyclists. This type of coverage provides protection in the event the policyholder is involved in an accident where the other party is liable, but not insured.