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What are the motorcycle insurance requirements in Illinois?

Here are the minimum insurance coverage limits for riders:

  • $25,000 for bodily injury per person
  • $50,000 for total bodily injury (in the event that multiple people are hurt in the accident)
  • $20,000 for property damage

Does Illinois have any optional motorcycle insurance coverage?

In addition to the coverage you already have, you can get various other forms of insurance in Illinois. At Dairyland®, we have plenty of options to help protect you and your bike:

  • Motorcycle collision coverage: If you have an on-road accident of almost any type, this insurance will help protect your bike.
  • Motorcycle comprehensive coverage: This covers damage by fire, wind, water, theft, and vandalism. Without comprehensive coverage, you could end up losing the value of your bike due to a non-motoring mishap.
  • Uninsured/underinsured motorist coverage: This coverage helps protect you if you’re involved in an accident with an uninsured or underinsured motorist.

Illinois motorcycle insurance discounts

At Dairyland, we offer the following discounts:

  • Home ownership discount
  • Multi-cycle discount
  • Loyalty discount
  • Rider group discount
  • Multi-line discount
  • HOG member discount
  • Winter discount
  • Full ownership discount

Be sure to ask about available discounts when you get your Dairyland quote.

Sites to see in Illinois

Elizabeth Scales Road, Elizabeth

Farmland, hills, and incredible views of the Mississippi River—this route has plenty to offer! You'll also ride along scenic Blackjack Road, famed for its many curves. Stop in the town of Galena to grab a bite to eat, refill your gas tank, or just take a breather.

Great River Road, Alton

If you enjoy a good view, this ride is for you. On one side of the road, you have the Mississippi River. On the other, you have farms, caves, bluffs, and wetlands. Ready for some twists and turns? Take advantage of this route’s many side roads. And if you go at the right time of year, you’ll spot plenty of exciting birds, including the occasional bald eagle. 

Shawnee National Forest, Carbondale

Within this national forest, you'll see waterfalls, bluffs, lakes, caves, and cypress swamps. The area, known as the Illinois Ozarks, also provides plenty of curves and hilly roads. Along the way, you'll also encounter several stunning landmarks, including the Garden of the Gods—a collection of rocks protruding out of the green grasses—and Cave-in-Rock, a riverside cave used by Native Americans for thousands of years.

Get an Illinois motorcycle insurance quote

With its scenic routes and picture-perfect landscapes, Illinois has what it takes to make for a great motorcycle ride. To make the most of your trip, be sure you're covered with an affordable motorcycle insurance policy. We’re here to help.

Get insured and ride on.

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