Motorcycle Insurance

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Different states will have varying requirements for motorcycle insurance.

If you’re thinking of owning a super cool motorcycle sometime soon, then you’ll need motorcycle insurance. Not only is it required by law, it’s also absolutely critical in keeping the roads safer for everybody.

In this article, we’ll tell you everything you need to know about motorcycle insurance in Illinois to help you make the best choices for yourself and your vehicle.

What Is Motorcycle Insurance?

Motorcycle liability insurance is a mandatory form of insurance that covers accidents that your motorcycle gets into.

Driving a vehicle is inherently dangerous. After all, they’re giant chunks of metal that weigh a ton, and they’re traveling at high speeds. When something goes wrong, damages almost always ensue.

Nobody wishes to get into an accident, but if you ever do, it’s your responsibility as a motorist to pay for the damages you might have caused.

This is what motorcycle insurance does. When an accident involves you and your vehicle, you can draw from your motorcycle insurance to help pay for damages, whether for the affected person or yourself, depending on your coverage.

According to the DMV website, the Prairie State requires the following minimum coverages for this type of insurance.

  • Property damage. Damages to property must be covered by at least $15,000 in insurance.
  • Injuries or death of one person. Insurance for coverage of single-person accidents must not be less than $20,000.
  • Injuries or death of more than one person. At least $40,000 in coverage for multiple victims in a motorcycle accident.

How Does Motorcycle Insurance Work?

Motorcycle insurance is absolutely necessary if you’re out on the road with a motorcycle. This safety net can help ensure that motorists will be safe from financial damages should an accident happen.

Just like car insurance, motorcycle insurance is a contract between you and an insurance company. You agree to pay regular premiums, and in exchange, they agree to pay for damages in the event of an accident up to the limit of your policy.

Of course, it’s not quite that simple. There are different types of motorcycle insurance policies with varying coverage levels, so it really depends on what you’re looking for.

The most basic motorcycle insurance policies will only cover liability, which means any damage that you cause to other people or property. But if you want comprehensive coverage, you can get policies that will also cover damages to your own motorcycle, even if you’re not at fault.

There are also optional coverages that you can add to your policy, such as roadside assistance, towing, and rental reimbursement, among others.

Types of Motorcycle Insurance

As mentioned above, there are several types of motorcycle insurance you can get for your vehicle, depending on the kinds of coverage that you seek. They typically fall into three different categories, which are the following.


Liability insurance would cover most expenses for the victim if you caused the crash. Fees included are medical bills, lost wages, damages, etc.


This insurance protects your motorcycle in case of a crash and will usually be required if the value of your bike is higher than a certain amount.


If you want to cover expenses other than those two, these usually fall into specific additions you can request from your provider.

What Does Motorcycle Insurance Cover?

Motorcycle insurance covers various situations that involve financial expenses. However, this insurance doesn’t just cover anything that happens to you on the road.

Here are situations that motorcycle insurance covers.

  • Liability in bodily injury or property damage in an accident that you caused
  • Some insurers offer liability in injury or damage to other vehicle passengers
  • Medical payments for you or anyone involved in an incident
  • Insurance for when an uninsured or underinsured driver hits you
  • Expenses for damages caused by vandalism, fire, or theft, depending on the insurer
  • Costs for special or custom bike units or parts
  • Insurance for roadside assistance such as towing or lodging in case of accidents in the middle of a long trip

What Types of Vehicles Are Covered?

There are specific requirements to what constitutes a motorcycle that needs to be covered by insurance. For example, if your two-wheeled vehicle has less than 150 ccs of engine displacement, it counts as a motor-driven cycle and won’t have the exact requirements of a motorcycle.

From Moped Insurance to more, our motorcycle insurance policy will cover the following types of vehicles.

  • Motorcycles
  • All-terrain vehicles
  • Scooters
  • Mopeds
  • Dirt bikes

Why Do You Need Motorcycle Insurance? 

In Illinois, motorcycle insurance is mandatory. This means that you can’t get out on the road without insurance covering your motorcycle. If you’re caught, you will face steep fines, and your license may even be suspended or revoked.

Plus, having an insurance policy will also protect you from financial harm. Motorcycle accidents aren’t cheap, and for some, the expenses could cause financial ruin. Paying for a good insurance policy can help you have a reliable financial safety net in case things go south.

Lastly, it’s also the moral thing to do. As a motorist, you have to take all the steps that you can to ensure that you won’t bring harm to yourself or others while on the road, and insurance is one way that you can prevent or minimize the damage you cause.

Motorcycle Helmet Law in Illinois

Wearing helmets when riding motorcycles is mandatory for many states, and some even lessen the financial obligation of a motorist’s insurance policy if they wear a helmet on the street.

However, Illinois doesn’t have such a law. There are no laws mandating wearing helmets while out on the road. As such, there are no penalties for not wearing helmets and no benefits from wearing them in terms of your insurance.

Nevertheless, wearing a helmet when riding is still prudent, especially if you know you’ll be going fast on the road.

Get the Best Motorcycle Insurance in Illinois With Magnum Insurance

Motorcycle insurance keeps you and the people around you safe from the dangers of driving.

Not only will it cover the expenses of any accidents you might cause, but depending on your coverage, it can also cover many other beneficial things, such as expenses caused by theft, fires, and more.

Thus, you’d want to ensure that you’re getting the best motorcycle insurance possible in Illinois – and you can do that with Magnum Insurance.

Magnum Insurance offers professional and friendly customer service that will ensure you have the best policy depending on your need and your wallet. Request a free quote now!

Magnum Insurance makes Motorcycle Insurance easy

Insurance should be easy, and with Magnum Insurance, it is. Get your online insurance done at your convenience now!

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