Illinois Motorcycle Insurance

Why Get Motorcycle Insurance in Illinois
Illinois is known for its big cities but there are also wonderful rural landscapes which are even more amazing when viewed from a motorcycle. No matter where you drive in the Land of Lincoln, it is important to have the right insurance coverage. Motorcycle insurance protects owners if there is ever an accident. But it does more than that. Adequate coverage gives policyholders peace of mind that no matter what unexpected situation may arise, such as theft, vandalism, or damages due to weather, they are financially protected. Imagine having no coverage and being forced to pay out of pocket for repairs, medical expenses, or total replacement of your vehicle. These scenarios should be enough to convince even the most hardened skeptic of the value of motorcycle insurance. Illinois requires that all motorcycle owners purchase and maintain a minimum amount of liability coverage to legally drive within the state. Don’t risk the serious consequences of driving without proper insurance. The penalties are just too great.

Motorcycle Riding in Illinois
Motorcycle License Classifications in the state of Illinois:

  • Class L license -to operate two-wheeled motor-driven cycles with less than 150 cc displacement.
  • Class M license -to operate motorcycles with over 150 cc displacement.

If the applicant is under 18 years of age, parental permission is needed.

Motorcycle License Requirements

  • Proof of Identification and Payment of Fees
  • Driver Education Course and Parental permission (if under 18)
  • Vision Test
  • Written and Driving Tests (can be waived if over 18 years old and an IDOT Motorcycle Rider Course Student Completion Card is presented)

Minimum Insurance Requirements in Illinois
Liability motorcycle insurance is a requirement in the state of Illinois. The minimum coverage amounts are as follows:

  • $20,000 for bodily injury of one person.
  • $40,000 for bodily injury of all injured parties.
  • $15,000 for property damage in one accident.

Illinois strongly encourages all motorcycle owners to obtain optional uninsured/underinsured motorist coverage offered by most insurance providers. This type of coverage will help cover the cost of repair for damages resulting from an accident with an uninsured driver.

It’s important to note that the minimum amounts as set forth by the state of Illinois may not be sufficient to fully protect every motorcycle owner. You should consider your own personal situation as well as your financial circumstances when determining the right amount of coverage to include in your policy.

Drivers should always carry proof of insurance when operating their motorcycles. The law demands it and the penalties for not obeying this regulation can be severe. Large fines, suspension of driving privileges, and even imprisonment can occur. Always be a smart and courteous driver and follow the rules of the road. They are designed to protect you and your fellow drivers.