Motorcycle Insurance in Illinois 2024
If you’re aiming to keep expenses down, Harley-Davidson (Sentry Insurance) offers the lowest premiums, at just $28 per month.
Getting the best motorcycle insurance in Illinois can be challenging. Don’t worry, though; you’re in the perfect place to handle it. From our experience, the top provider combines comprehensive coverage with great customer service.
Over my 15 years in the insurance field, I’ve seen the pitfalls of skimping on motorcycle insurance. It’s not merely about legality; it’s about ensuring your investment is protected.
Our guide is built on years of experience to help you sidestep common errors and identify the most dependable and economical options for your ride.
Best Motorcycle Insurance In Illinois 2024
Compare The Best Motorcycle Insurance Companies In Illinois
| Overall Rating | Cheapest For | AM Best Rating | J.D. Power Rating | Online Experience | Get A Quote | |
|---|---|---|---|---|---|---|
| Harley-Davidson |
|
Overall |
A+ |
Not Rated |
9/10 |
Instant Quote |
| GEICO |
|
Bundling Insurance |
A++ |
830 |
9/10 |
Instant Quote |
| USAA |
|
Military Members |
A+ |
809 |
7/10 |
Instant Quote |
| Allstate |
|
Customer Service |
A++ |
816 |
8/10 |
Instant Quote |
Our Methodology
In determining the best motorcycle insurance in Illinois, I relied on impartial data from AM Best for financial stability and J.D. Powers for customer satisfaction. Additionally, I reviewed insights from various consumer review sites and used my background as a former property and casualty insurance agent.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Best Motorcycle Insurance Companies in Illinois
Best Overall
Key Statistics
Why We Like Them
⇅Harley Davidson is the premier choice for motorcycle insurance in Illinois, boasting strong policies and superior service from Sentry Insurance. This partnership provides a distinctive advantage.
Harley Davidson’s policies are backed by Sentry, a renowned name in the insurance world, offering reliability and a robust financial foundation. Sentry’s A+ rating from AM Best demonstrates their capability to effectively fulfill policyholder obligations.
Harley Davidson’s insurance offerings, underpinned by Sentry’s expertise, are specifically crafted for the diverse riding conditions in Illinois. These policies provide comprehensive coverage and exceptional customer service, making them a wise investment for motorcyclists.
Harley Davidson’s custom insurance offerings, combined with Sentry’s established reputation, make it the top option for motorcycle insurance in the state.
Benefits & Drawbacks
⇅- Tailored motorcycle coverage options
- Backed by financially stable and reliable Sentry Insurance
- Offers discounts and rewards for safe riders and H.O.G. members ✓
- Some riders may prefer direct insurance rather than third-party coverage
- Coverage is particularly advantageous for Harley Davidson owners
- Availability may be restricted in some regions ✘
Best For Bundling Insurance
Key Statistics
Why We Like Them
⇅GEICO is a standout choice for insurance bundling in Illinois, particularly with motorcycle insurance. Known for their competitive rates on different policies, they are a preferred choice for Illinois residents consolidating their insurance.
GEICO’s distinguishing feature is its seamless integration of multiple insurance policies, such as motorcycle, auto, and home, under one roof. This not only simplifies policy management but also often results in significant cost savings for policyholders.
Not only is GEICO cost-effective, but it also offers a user-friendly experience. Their digital platforms, like a detailed website and a top-rated mobile app, simplify managing and adjusting policies. Additionally, GEICO’s customer service is consistently praised for its prompt and efficient support.
For Illinois motorcyclists, this provides easy access to policy information and smooth claims processing. GEICO’s affordability, convenience, and reliable customer service make it an optimal choice for bundling insurance in Illinois.
Benefits & Drawbacks
⇅- Competitive pricing along with various discounts available
- User-friendly online tools and a mobile app make policy management straightforward
- Efficient claims processing and a well-regarded customer service reputation ✓
- Coverage options might be less specialized for motorcycles compared to providers focusing only on motorcycle insurance.
- Some customers mention variability in their customer service experiences
- Policy customization options may be limited compared to niche motorcycle insurance providers ✘
Best for Military Members
Key Statistics
Why We Like Them
⇅USAA stands out as the top motorcycle insurance provider for military members, offering tailored services and a dependable partnership. Understanding the unique requirements of the military community, USAA has partnered with Progressive, an A+ (Superior) rated company, for coverage and claims processing. This strategic choice leverages Progressive’s strong motorcycle insurance expertise alongside USAA’s dedication to serving military members and their families.
By partnering with Progressive, USAA ensures its members have access to specialized motorcycle insurance with financial stability and industry expertise. USAA’s highest customer service rating from J.D. Powers further emphasizes its commitment to excellence and customer satisfaction.
Service members gain from this partnership with smooth service, responsive claims handling, and policies that account for the specifics of military life. The collaboration between USAA and Progressive delivers a reliable and comprehensive insurance solution to military riders.
Benefits & Drawbacks
⇅- Specialized services and discounts for military members and their families.
- Progressive handles coverage and claims, known for their motorcycle insurance expertise
- USAA is highly rated for customer service, ensuring a supportive and responsive experience ✓
- USAA membership is limited to military members, veterans, and their families, not available to the general public
- Some policyholders might prefer dealing directly with one insurer rather than a partnership
- Coverage options and benefits could be more generic as they are part of a broader insurance portfolio. Services and discounts designed for military members and their families. Progressive, known for motorcycle insurance expertise, handles coverage and claims. USAA is renowned for customer service, ensuring a responsive and supportive experience. Membership with USAA is exclusive to military members, veterans, and their families, restricting access for the general public ✘
Best for Customer Service
Key Statistics
Why We Like Them
⇅Allstate is a top contender for motorcycle insurance in Illinois, primarily because of its exceptional customer service. Known for its customized approach, Allstate ensures that each motorcyclist receives attentive and personalized support, addressing the unique needs that set them apart from standard auto insurance clients.
For Illinois’s varied biking community, Allstate agents offer crucial support. Their expertise in the state’s road laws and biking culture ensures they provide more than just insurance answers. Allstate’s online and mobile platforms also allow 24/7 policy and claim management.
The combination of expert local agents, efficient digital tools, and a focus on customer service makes Allstate a leading option for motorcycle insurance in Illinois.
Benefits & Drawbacks
⇅- Broad range of coverage options with customizable policies to fit personal needs.
- Local agents provide personalized service and understand regional insurance nuances.
- Offers a variety of discounts, like safe riding and multi-policy discounts. ✓
- Premiums may be on the higher side compared to other insurers.
- Discounts and policy options vary greatly depending on personal situations.
- Policies might be more tailored to casual riders than professional or competitive ones. ✘
Cheapest Motorcycle Insurance In Illinois For Minimum Liability
Our investigation shows that the best minimum coverage rates in Illinois are from USAA (Progressive) at $12 per month.
The phrase “cheapest minimum coverage for motorcycle insurance in Illinois” describes the most affordable insurance options that meet the state’s legal standards for motorcycle riders. These policies typically offer basic liability coverage for injuries and damages caused by the rider in an accident.
Driving history plays a crucial role in determining insurance rates in this category. Riders with a clean record usually benefit from lower premiums, being seen as low-risk by insurers. Conversely, those with accidents or traffic violations on their record often face higher rates, as insurers consider them more likely to be involved in future accidents.
If you have an accident, it can significantly influence your insurance rate because it indicates a higher risk of the insurance company facing expensive claims. This evaluation of risk directly determines the cost of minimum coverage insurance in Illinois.
| Insurance Provider | Minimum Coverage Annual Cost (Paid in Full) |
| Progressive | $145 |
| Geico | $156 |
| Allstate | $167 |
| Dairyland | $178 |
Cheapest Motorcycle Insurance In Illinois For Full Coverage
Our extensive research indicates that Harley Davidson (Sentry) provides the most affordable full coverage motorcycle insurance in Illinois, with a monthly premium of $28.
The category “cheapest full coverage for motorcycle insurance in Illinois” refers to the most budget-friendly choices for insurance policies that exceed the state’s minimum liability requirements. Full coverage typically comprises comprehensive and collision insurance, providing broad protection against various events like accidents, theft, vandalism, and natural disasters.
The driving history of a rider is a crucial element affecting insurance rates in this category. Riders with clean records typically pay lower premiums since insurers see them as lower-risk individuals.
Contrarily, a history of accidents or traffic violations typically results in higher rates because insurers deem these riders as higher risk. In particular, being in an accident can significantly raise your rate as it increases the likelihood of future claims from the insurer’s perspective.
| Company | Average Monthly Rate for Full Coverage |
| Harley-Davidson | $28 |
| Geico | $32 |
| Progressive | $41 |
| Allstate | $46 |
| Nationwide | $50 |
Average Cost Of Motorcycle Insurance In Illinois
Typically, individuals in Illinois spend $31 each month on full coverage motorcycle insurance.
| Company | Average Monthly Rate for Full Coverage |
| Harley-Davidson | $28 |
| Geico | $32 |
| Progressive | $41 |
| Allstate | $46 |
| Nationwide | $50 |
Average Cost Of Motorcycle Insurance In Illinois – By City
The location of your home in Illinois will affect your motorcycle insurance rates. Riders in larger cities generally pay more than those in rural areas because of the higher likelihood of accidents in densely populated areas.
Here are the ten Illinois cities with the cheapest motorcycle insurance rates:
| Rank | City | Average Monthly Rate |
|---|---|---|
| 1 | Naperville | $65 |
| 2 | Aurora | $68 |
| 3 | Elgin | $70 |
| 4 | Joliet | $72 |
| 5 | Schaumburg | $74 |
| 6 | Rockford | $76 |
| 7 | Bloomington | $78 |
| 8 | Champaign | $80 |
| 9 | Peoria | $82 |
| 10 | Springfield | $84 |
Do You Need Motorcycle Insurance In Illinois?
In Illinois, having motorcycle insurance is both a necessity and a legal requirement. The state insists that all motorcycle riders maintain a minimum level of insurance coverage to legally operate on public roads, ensuring there is financial responsibility for any damages or injuries caused by accidents.
Illinois mandates minimum insurance coverage that includes liability insurance for bodily injury and property damage you may cause to others. The law specifies at least $25,000 for injury/death to one person, $50,000 for injury/death to multiple people, and $20,000 for property damage. This basic coverage does not protect the rider’s own injuries or damages to their motorcycle.
Riders often consider additional coverages for broader protection, such as collision, comprehensive, and uninsured/underinsured motorist insurance. Collision insurance covers damages to your motorcycle in an accident, while comprehensive protects against non-collision incidents like theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage is crucial in Illinois, where many drivers may not have adequate insurance.
Minimum insurance requirements are set by law, but riders should evaluate their needs, taking into account their motorcycle’s value, riding frequency, and personal finances. Additionally, not carrying the required insurance can result in fines, license suspension, and motorcycle impoundment.
How To Get A Motorcycle Insurance Quote
Getting a motorcycle insurance quote is an uncomplicated procedure that includes these steps:
Gather Your Personal Information: Before you start, ensure you have your personal information at hand, including your full name, address, date of birth, and driver’s license number. Additionally, have details about any other riders who may use the motorcycle.
Collect Your Motorcycle’s Details: Before starting, gather specific information about your motorcycle, such as the make, model, year, engine size, and vehicle identification number (VIN). Additionally, if you’ve made any modifications or have specific safety features, ensure you have those details available, as they can affect the quote you receive.
Determine Your Insurance Needs: Determine the coverage you need by considering liability limits and whether you want additional options like comprehensive, collision, or uninsured motorist coverage.
Research Insurance Providers: Examine insurance companies that offer motorcycle policies, analyzing their reputation, customer feedback, and financial viability.
Get Quotes: You can request insurance quotes online, by phone, or in person. Provide your information to the insurance provider. Using online forms is a convenient way to quickly get multiple quotes. (Insuranceopedia offers a way to get multiple quotes, making the selection process easier.)
Compare Quotes: When you have multiple quotes, compare them not just by price but also by coverage options, deductibles, and any exclusions or limitations. Ensure that the coverages are similar across different quotes.
Ask About Discounts: Inquire with the insurance company about potential discounts you could qualify for, including those for safe driving, multiple policies, or taking motorcycle safety courses.
Review Quotes and Select a Policy: Review all the details and choose the policy that strikes the best balance between price and coverage for your needs.
Provide Additional Information and Make Your Purchase: Once you have chosen a provider, you might need to submit further information or documents. Look over the policy details, make the first payment, and you will obtain your proof of insurance.
Keep in mind that the lowest quote might not be the most beneficial. Consider the quality of the coverage you get for the price.
FAQs
How much is motorcycle insurance in Illinois?
In Illinois, full coverage motorcycle insurance averages $31 per month.
Who is the cheapest motorcycle insurance company in Illinois?
At $28 per month, Harley Davidson offers the lowest-priced motorcycle insurance in Illinois, with Sentry Insurance Company delivering the coverage and service.
Do you need motorcycle insurance in Illinois?
In Illinois, having motorcycle insurance is a legal necessity for anyone operating a motorcycle.
