Illinois Motorcycle Insurance Requirements

Illinois’ rolling hills, verdant forests, and picturesque farmland, combined with its rich history, make it an unparalleled destination for motorcyclists seeking an exhilarating and immersive riding experience.

However, it’s important to prioritize safety before embarking on a journey through Illinois’ memorable scenery & have adequate motorcycle insurance coverage.

This not only protects you and others in case of accidents but also provides a safety net for any property damage or injuries.

Illinois Motorcycle Insurance Requirements

To properly fulfill Illinois’ motorcycle insurance requirements, your policy must include the following:

Liability coverage

  • $20,000 bodily injury liability (per person)
  • $50,000 bodily injury liability (per accident)
  • $20,000 property damage liability (per accident)

Uninsured & Underinsured Motorist coverage

Illinois requires that all motorcyclists have uninsured & underinsured motorist bodily injury (UM/UIM BI) coverage – in addition to standard liability coverage.

  • $25,000 per person
  • $50,000 per accident

By default, insurance policies tend to have UM/UIM coverage equal to the policy’s liability bodily injury limit – but driver’s can choose to modify the excess coverage.

The Illinois Department of Insurance oversees the state’s motorcycle insurance requirements, so check with them for the latest requirement information Illinois Department of Insurance.

Motorcycles & Two-Wheeled Vehicles Defined in Illinois

In Illinois, motorcycles and other two-wheeled vehicles are legally defined as follows:

Motorcycle: A motor vehicle designed to travel on not more than three wheels in contact with the ground, having a seat or saddle for the rider, and powered by an internal combustion engine or an electric motor.

Moped: A motor-driven cycle with an engine not exceeding 50 cubic centimeters (3.05 cubic inches) which produces no more than 2 brake horsepower and is not capable of speeds greater than 30 miles per hour on level ground.

Scooter: A two-wheeled vehicle with a motor displacement of 50 cubic centimeters or more that is not capable of speeds greater than 60 miles per hour.

Note: Definitions are based on the Illinois Vehicle Code, Chapter 1 – Title and Definitions Illinois Vehicle Code.

Insurance Requirements for Smaller Vehicles in Illinois

In Illinois, smaller vehicles like motorcycles require insurance.

Motorcycles: All motorcycles, regardless of the number of wheels, must have liability insurance coverage in the state of Illinois.

Mopeds & Scooters: Mopeds and scooters with a motor that displaces 50 cubic centimeters or more are subject to the same insurance requirements as motorcycles in Illinois. Mopeds with an engine displacement less than 50 cubic centimeters do not require insurance but must be registered with the state.

If you have any questions about insuring a motorcycle or similar vehicle (e.g. moped and/or scooter) – it is recommended to contact a trusted insurance company.

Motorcycle Rules in Illinois (Basics)

Here are some basic rules and regulations that motorcyclists should keep in mind while riding in Illinois.

  • Lane splitting: Lane splitting (riding between lanes of traffic) is illegal in Illinois.
  • Helmets: Illinois law does not require motorcycle riders or passengers to wear a helmet. However, helmets are still highly recommended for safety. If used, helmets should meet the safety standards set by the U.S. Department of Transportation (DOT).
  • Eye protection: All riders in Illinois are required to wear protective eye-wear unless their motorcycle has a windshield.
  • Passengers: A passenger can only ride on a motorcycle if the bike is equipped with a designated passenger seat and footrest.
  • Mirrors & lighting: Motorcycles must be equipped with at least one rear-view mirror and have proper lighting, including brake lights, tail lights, and turn signals.
  • Turn signals: Illinois law requires motorcycles to have functioning turn signals.
  • Headlights: Motorcycles must have at least one working headlight, which must be used during daytime and nighttime hours.
  • Seat & footrest: All motorcycles must have a seat for the rider, as well as a footrest.
  • Endorsement: To legally operate a motorcycle in Illinois, you must have a motorcycle (Class M) endorsement on your driver’s license [Illinois Motorcycle Operator Manual].

Additional Motorcycle Insurance Coverage Options in IL

As a motorcyclist in Illinois, you may want to consider additional coverage beyond the bare minimum required by the state. Some additional coverage types are documented below.

  • Collision coverage: This type of coverage provides financial assistance for repairs or replacement if your motorcycle is damaged or totaled in an accident.
  • Comprehensive coverage: Comprehensive coverage can help cover the cost of repairs or replacement if your motorcycle is stolen, vandalized, or damaged due to non-collision events such as severe weather.
  • Roadside assistance: If your motorcycle breaks down while you’re on the road, roadside assistance coverage can provide services like towing, fuel delivery, and battery jump-starts to help you get back on the road.
  • Custom parts & equipment coverage: If you’ve customized your motorcycle with special parts or accessories, this coverage can help cover the cost of repairs or replacement if they are damaged or stolen.
  • Uninsured & underinsured motorist coverage: This type of coverage can provide protection if you’re involved in an accident with a driver who lacks insurance or has insufficient coverage to pay for damages.
  • Medical payments coverage: In the event of an accident, medical payments coverage can help cover medical expenses for you and your passengers.

By adding the right insurance coverage for your motorcycle, you can enjoy the thrill of riding with peace of mind, knowing that you’re protected against unexpected events on the road.

Proof of Insurance & Penalties in Illinois

When operating a vehicle in Illinois, motorists (including motorcyclists) should carry proof of insurance at all times.

Failure to provide proof of insurance when requested by a law enforcement officer (e.g., during traffic stops or after accidents) can result in penalties set by the state of Illinois.

  1. First Offense: Minimum fine of $500, and potential impoundment of your vehicle.
  2. Second Offense: Minimum fine of $1,000, suspension of license plates, and potential impoundment of your vehicle.
  3. Third & Subsequent Offenses: Additional fines and penalties may apply, including suspension of license plates and potential impoundment of your vehicle.

Note: Penalties may change in the future (e.g. increases in fines and/or harsher penalties).

FAQs: Motorcycle Insurance in Illinois

Here are some simple questions regarding motorcycle insurance and regulations that are specific to motorcyclists in the state of Illinois.

Is “lane splitting” legal in Illinois?

Lane splitting is illegal in Illinois according to Illinois Compiled Statutes (625 ILCS 5/11-703).

Are helmets required for motorcyclists in Illinois?

In Illinois, helmets are not required for motorcyclists.

However, wearing a helmet is highly recommended for safety purposes.

Do I need an endorsement or license to ride a motorcycle?

Yes, you need a Class M driver’s license or a motorcycle endorsement on your existing driver’s license to legally operate a motorcycle in the state of Illinois.

You can obtain a motorcycle endorsement by passing a written test and either completing a motorcycle training course approved by the Illinois Department of Transportation (IDOT) or passing a skills test.

How can you save money on motorcycle insurance in Illinois?

To cut down on motorcycle insurance costs, there are several approaches you can take.

These include comparing insurance plans and prices from different providers, capitalizing on various discounts and/or promotions, and opting for a higher deductible.

Do scooters & mopeds require similar insurance as motorcycles in Illinois?

In Illinois, scooters and mopeds with an engine displacement of 50 cubic centimeters or more are subject to the same insurance requirements as motorcycles.

Mopeds with an engine displacement less than 50 cubic centimeters do not require insurance but must be registered with the state.

If you’re confused about coverage for non-motorcycle vehicles, ask an insurance provider… they’ll tell you what you need.

What if you drive a motorcycle without insurance in Illinois?

It is illegal to operate a motorcycle without insurance in the state of Illinois – this was already mentioned earlier.

Those caught driving without insurance may end up with fines, license suspension, motorcycle impoundment, and possibly other penalties based on Illinois insurance law.

Which variables influence motorcycle insurance cost in Illinois?

Common variables that influence the cost of motorcycle insurance include:

  • Age & sex of the rider
  • Driving record
  • Motorcycle value ($$$)
  • Location (living & driving)
  • Desired insurance coverage
  • Regularity of motorcycle use

Getting quality motorcycle insurance in Illinois

For Illinois motorcyclists, securing reliable insurance coverage is a critical step towards safe and stress-free riding.

Though finding suitable coverage may take a little effort, it doesn’t need to be difficult.

One of the easiest ways to find a quality motorcycle insurance provider in Illinois is to use the Zip Code boxes available on this site – which helps you find trusted providers in your specific area.

Next, you can gather quotes from each provider and determine which is offering you the best value for your money on a motorcycle insurance policy.

Once you have obtained an insurance policy that satisfies the state’s regulations and aligns with your personal needs, you can confidently hit the roads of Illinois.

Jane Adams

Jane is a freelancer & motorcycle enthusiast with 15+ years experience in the insurance industry. She has worked with motorcyclists of all experience levels to help them find the ideal insurance packages for their needs.

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