Motorcycle Insurance

Regardless of the type of motor bike you ride in the state of Illinois, you will need motorcycle insurance. There are many inherent risks that come along with riding motorcycles. And because of these unique risks, specialized insurance is needed.

The rate of motorcycle accidents are rising on a yearly basis. The statistics are causing insurance rates to skyrocket. Some of the national facts regarding motorcycles accidents are pretty dire:


  • In 2010, there were more than 4,500 motorcycle-related deaths.
  • Motorcycle injuries and deaths cost over $12 billion
  • Motorcycle-related deaths have gone up 50% over 10 years


What type of bikes constitutes a motorcycle?

This can be any type of bicycle with a motor. Examples include motorbikes, dirt bikes, two-wheeler, motocross bikes, choppers and even scooters. The exception to the rule is a dirt bike. These motorbikes are not considered “street legal,” therefore no insurance is required.

Motorcycle insurance in Illinois works to protect driverss from financial loss. Additionally, the insurance from financial liabilities, injuries to other individuals and other damages if you are involved in an accident. Required motorcycle insurance per Illinois law is as follows:


  • $15,000 property damage per accident
  • $20,000 of coverage due to injuries or death in an accident
  • $40,000 of coverage for more than one person for injuries or death



In most cases, it is advisable to purchase more coverage than the liability listed to have the maximum protection.


Helmet Requirements

This varies from state to state. But financial responsibility is lessened if a helmet is worn because it provides more protection. However, under Illinois law, motorcycle riders are not required to wear helmets.


Proof of Insurance

The state of Illinois requires that all motorcycle drivers have the appropriate insurance to meet state requirements. It is up to you whether or not you want to go with the standard liability, or up it to full coverage. Additionally, all drivers must have an insurance card in their vehicle and present it to a law enforcement officer when required to do so.



If you fail to have insurance on you motorcycle in Illinois, you could risk having your license plate suspended. You could also be subject to daily fines until you provide proof of insurance.


How To Make A Decision On Insurance?

It is up to you do decide how much insurance you need beyond what the state of Illinois requires. The statistics on motorcycle accidents are pretty dire. Sadly, most of these accidents result in serious injuries and deaths due to a variety of factors. If you drive a motorcycle often, you need to take a long, hard look at your finances. Deductibles can be quite high. And there is a real possibility that you may have to liquidate assets should an accident occur. If you bike was totaled, do you have enough insurance to replace it? Are you in a position whereas your finances will be protected? Those are hard questions you should ask yourself before choosing insurance.