Illinois motorcycle insurance
Whether you prefer city cruises or country journeys, Illinois has something for every motorcycle rider. From Chicago to Springfield, Progressive can help you ride protected with customized coverage, plus easy discounts for big savings. Find out everything you need to know about motorcycle insurance in Illinois.
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What are the minimum requirements for motorcycle insurance in Illinois?
Illinois motorcycle law requires all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries and damages you cause to others while riding, up to your policy's limits. Property damage liability coverage, however, doesn't cover your own motorcycle. You can increase the amount of liability coverage, if necessary, to protect your assets more fully.
| Required coverage | What it covers | Minimum amount |
|---|---|---|
| Bodily injury liability | What it coversInjuries you cause to others in an accident | Minimum amount$25,000 per person $50,000 per accident |
| Property damage liability | What it coversProperty damage you cause to others in an accident | Minimum amount$20,000 per accident |
| Uninsured/underinsured motorist bodily injury | What it coversInjuries to you and your passengers if hit by an at-fault motorist who has no coverage or insufficient coverage | Minimum amount$25,000 per person |
Do you need comprehensive and collision coverage?
Unless you're taking out a loan or lease for your motorcycle, comprehensive motorcycle coverage and collision motorcycle coverage are optional. But we know many motorcycle owners are dedicated to protecting their bike, and they may want to safeguard it against physical damage. Comprehensive coverage may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.
How much is motorcycle insurance in Illinois?
In 2023, the annual cost for a Progressive motorcycle insurance policy in Illinois with liability-only coverage was $191.51.* Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.
Pro tip:
Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.
What's the best motorcycle insurance in Illinois?
One in three insured motorcycle riders choose Progressive.** Whether you ride in Chicago, Naperville, Rockford or anywhere else in Illinois, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Illinois for bikers without sacrificing the crucial protection that you count on for peace of mind.
You can decrease the cost of motorcycle insurance in Illinois with motorcycle insurance discounts, such as:
Multi-policy discount
Advance quote discount
Motorcycle license/endorsement
Paid in full discount
Responsible driver discount
Find out more ways to lower the cost of motorcycle insurance.
Additional motorcycle insurance coverages available in Illinois
For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:
Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop
Learn more about motorcycle insurance coverages.
Quick facts for riding in Illinois
To obtain a motorcycle license or endorsement in Illinois, you must pass a knowledge and skills test.
Illinois is one of three states that doesn't require motorcycle operators or passengers to wear a helmet.
Lane splitting or filtering is illegal in Illinois, according to state law.
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