illinois motorcycle insurance
Get the lowdown on motorcycle insurance in Illinois. From far-reaching coverages to big discounts, we'll help provide a better ride.
Illinois motorcycle insurance basics
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 Illinois than on a motorcycle. Brush up on the necessary motorcycle coverages in your state and make sure your ride through the Land of Lincoln stays smooth.
Required motorcycle coverages: liability insurance
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 your Illinois motorcycle insurance policy.
Esurance motorcycle insurance in Illinois
It doesn't matter if you're taking a moped around the Chicago loop or a bagger across open plains — you can entrust your unique bike to us and enjoy big savings and flexible coverage options to help ensure your tranquility on the road all year.
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:
- 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
- Golf carts
- Segways (that's right, Segways!)
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).
Esurance motorcycle discounts
Start your Illinois motorcycle insurance quote with us and you may qualify for these big 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.
- 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!).
Optional motorcycle insurance coverages
On top of basic coverages, riders in the Prairie State can choose from other helpful options.
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).
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.
Damage doesn't always come from a collision. So it pays to protect your bike from risks like vandalism, theft, or those infamous Midwest 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 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.
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