Motorcycle Insurance in Illinois 2024

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.

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.

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.

Average Cost Of Motorcycle Insurance In Illinois

Typically, individuals in Illinois spend $31 each month on full coverage motorcycle insurance.

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:

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.