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illinois motorcycle insurance

Whether you're chasing the breeze along Lakeshore Drive or rolling through peaceful cornfields and prairies along I-55, there are few better ways to explore the Prairie State than on a motorcycle. Knowing you're getting some of the most affordable Illinois motorcycle insurance rates is icing on the cake.

When you get a free Illinois motorcycle quote, you'll see why all residents in the Land of Lincoln can benefit from joining the Esurance family. Whether you live in Chicago, Rockford, or anywhere in between, you can entrust your unique bike to us and enjoy big savings and flexible coverage options.

Illinois motorcycle insurance discounts from Esurance

Start your quote with us and you may qualify for these money-saving discounts.

Multi-Vehicle discount
Take 15 to 35 percent off your premium for insuring multiple vehicles with us.

Antilock Brakes discount
Enjoy a deduction just for having this common safety feature.

Paid-in-Full discount
You can reduce your motorcycle insurance rates just by paying your premium all at once instead of in monthly intervals.

Recovery Device discount
Not only does having a recovery system thwart potential motorcycle thieves, but it also helps you nab some insurance discounts.

Association discount
Join 1 of 20 preferred rider organizations, like Harley Owners Group or Honda Gold Wing Road Riders Association, to qualify.

Motorcycle Endorsement discount
Save up to 10 percent just for having a motorcycle license or endorsement (an extension of your auto license that clears you to ride motorcycles).

Multi-Policy discount
Entrust your car and motorcycle policies to us and save on both. Discounts will vary.

Responsible Driver discount
Save 23 to 33 percent for having at least 2 years of safe-riding experience.

Safety Course discount
Start saving if you've completed a state-approved driver safety course within the past 36 months.

Switch & Save® discount
Enjoy this discount if you've switched to Esurance from another company within the past month — just one way we like to say thank you to our awesome customers.

Our Homeowners discount

One of our niftiest motorcycle insurance perks is our Homeowners discount. Just for being a homeowner, you can save up to 22 percent on your motorcycle coverage (now how easy was that!).

Money-saving benefit of Esurance motorcycle coverage

At Esurance, we strive to provide peace of mind for our Illinois motorcyclists. That's why if you have a claim under $500, we won't increase your premium. Accidents may happen, but price jumps don't have to. So go ahead and use your money for something worthwhile (like that premium Italian beef you've been eyeing).

Required Illinois motorcycle insurance coverages

Illinoisans must have liability insurance to legally ride a motorcycle in the state. Liability insurance helps cover others' medical bills and property damage if you're ever at fault in an accident. You should have at least the following limits:

  • $20,000 of bodily injury liability per person
  • $40,000 of bodily injury liability per incident
  • $15,000 of property damage liability per incident

Of course, these are just the bare requirements. Opt for as much coverage as you feel you need when you buy motorcycle insurance in Illinois from Esurance.

Optional motorcycle insurance coverages

On top of basic coverages, riders in the Prairie State can choose from additional options that provide more financial protection and peace of mind in the event of a claim.

New motorcycle protection

Got a brand-new bike? New motorcycle protection coverage pays the MSRP on a current-year bike of the same make and model if your ride's ever totaled (cue that sigh of relief).

Trip interruption coverage

If your bike breaks down on a long road trip, get trip interruption coverage and we'll cover:

  • $100 for lodging
  • $50 for alternate transportation
  • $50 for food

Yep, that's per day until your bike is fixed (up to $500 per incident).

Collision coverage

Esurance motorcycle collision coverage helps repair or replace your vehicle, riding leathers, and other apparel (up to $500 per helmet) if you run into a vehicle, tree, building, or other object.

Comprehensive coverage

Damage doesn't always come from a collision. So it pays to protect your bike from risks like vandalism, theft, or those infamous Midwestern tornadoes.

Towing and labor

We'll cover up to $100 if you need a tow to the nearest qualified repair facility.

Optional equipment coverage

Did you commemorate the last Stanley Cup with a brand-new Blackhawks saddlebag? (We thought so.) To protect your bike's cool accessories, just add comprehensive coverage and you'll get a whopping $3,000 in optional equipment coverage free. And if you need more, you can add up to $30,000 to cover your custom engine, sidecar, or practically anything else you add.

Simple policy management

Our bike insurance comes with a one-year policy term. You can easily manage this policy (and any others you have with us) online, plus pay your premium however it's easiest for you:

  • Monthly
  • 2 installments
  • 4 installments
  • Pay all up front (you could save up to 13 percent with the Paid-in-Full discount)

Flexible coverage for all your bikes

Drive something besides a traditional motorcycle? No problem! Esurance motorcycle coverage lets you protect a wide array of vehicles, including:

  • Dirt and off-road bikes
  • Scooters and mopeds
  • ATVs and UTVs
  • Snowmobiles
  • Golf carts
  • Segways (that's right, Segways!)

Related links

Illinois car insurance
Car drivers need helpful facts, too! Learn coverage requirements for Illinois drivers.

Motorcycle types 101
Here's your introduction to the many kinds of bikes out there — and how they impact your motorcycle insurance.

Get a motorcycle insurance quote and see how much you can save.

or call 1-866-455-1980