Motorcycle Insurance in Illinois

Cruising down Route 66 or winding through the Shawnee National Forest calls for more than just a great bike—it calls for the right insurance. GEICO offers reliable, affordable motorcycle coverage tailored to the needs of Illinois riders. From sport bikes to cruisers, we help protect your ride, your gear, and yourself with flexible coverage options and competitive rates. Get a free Illinois motorcycle insurance quote today and see how easy it is to get protected with GEICO.

Is Motorcycle Insurance Required in Illinois?

Motorcycle insurance is required by law in Illinois. To legally drive your bike, you must carry insurance that meets the state's minimum coverage limits. You'll also need to show proof of insurance when registering your motorcycle or renewing your plates. Riding without valid insurance can result in severe penalties, including fines, license suspension, and the potential revocation of your registration.

Minimum Motorcycle Insurance Coverage Requirements in Illinois

Below are the state-mandated minimums for motorcycle insurance in Illinois.

Coverage Type	What It Covers	Illinois Minimum Limits
Bodily Injury Liability	Injuries you cause to others in an accident	$25,000 per person / $50,000 per accident
Property Damage Liability	Property damage you cause in an accident	$20,000 per accident
Uninsured/Underinsured Motorist	Injuries to you and your passengers if the other driver is uninsured or underinsured	$25,000 per person

Optional Motorcycle Insurance Coverages in Illinois

In addition to the required coverages, GEICO offers a range of optional coverages to help protect your motorcycle and everything that comes with it. These add-ons can offer extra peace of mind on the road and better protection for your investment.

Collision Coverage: Helps pay to repair or replace your motorcycle if it’s damaged in an accident, no matter who’s at fault.
Comprehensive Coverage: Offers protection against theft, vandalism, fire, weather damage, and other non-collision incidents.
Emergency Roadside Service with Trip Interruption: Covers towing, fuel delivery, and even lodging and meals if a breakdown disrupts your ride far from home.
Custom Parts and Equipment: Helps cover aftermarket upgrades, like custom paint, saddlebags, or performance enhancements.
Transport Trailer Coverage: Protects your trailer when it's used to haul your bike.
Stored Gear Coverage: Covers personal items stored with your motorcycle.
Safety Riding Apparel: Helps cover the cost of damaged helmets, jackets, and other safety gear after a covered accident.
Total Loss Replacement: Replaces your motorcycle with a new one of the same make and model if it’s totaled.
Stated Value Coverage: Offers coverage based on an agreed value for bikes with unique or custom features.

How Much Does Motorcycle Insurance Cost in Illinois?

The cost of Illinois motorcycle insurance varies based on several personal and vehicle-related factors. Things like your driving record and how long you've been riding all play a role. The type of bike you own—such as a cruiser, touring bike, or sport bike—can also influence your premium.

Where you live in Illinois matters, too. Urban areas like Chicago may have higher rates due to increased traffic and theft risk, while rural areas like Galena may see lower premiums. Your coverage choices, deductible amounts, and any applicable discounts also affect the final cost. GEICO works with you to find motorcycle insurance that fits your budget and needs.

Discounts on Motorcycle Insurance in Illinois

Reliable coverage doesn’t have to come with a hefty price tag. That’s why GEICO offers various motorcycle insurance discounts, including:

Motorcycle policy transfer: Up to 10% discount when you transfer your motorcycle insurance to GEICO® Motorcycle.
Multiple motorcycles: You may qualify for a discount if you insure more than one motorcycle.
Mature riders: Up to 10% discount for mature riders.
Insurance renewal: Up to 10% discount when you renew your motorcycle insurance with GEICO® Motorcycle.
Safety course: You could save on your policy when you complete a Motorcycle Safety Foundation or Military Safety Course.
Instructors: Up to 20% discount if you are a current Motorcycle Safety Foundation instructor.
Multi-policy: Up to 10% discount on your motorcycle policy if you also insure your car or RV with GEICO.
Clean driving record: Get rewarded for being accident-free.
Autopay: Save when you put your policy on autopay.
Early shopper: Earn reduced premiums by enrolling in a new GEICO motorcycle policy before your current policy ends.
Paperless: Receive bills and communications from GEICO digitally for reduced rates.

To make things even easier, GEICO offers a variety of motorcycle insurance payment plans to fit your lifestyle.

Why Choose GEICO for Motorcycle Insurance in Illinois?

Thousands of riders nationwide trust GEICO for reliable, affordable motorcycle insurance. With coverage options for nearly every kind of bike—cruisers, sport bikes, touring models, and more—GEICO makes it easy to find a policy that fits your ride and your lifestyle. You’ll also get the convenience of top-rated customer support and powerful digital tools like the GEICO Mobile app, where you can manage your policy, file a claim, and access ID cards on the go. Whether you're commuting through Peoria or heading out for a scenic ride along the Great River Road, GEICO has your back.

Get a Free Motorcycle Insurance Quote in Illinois

Ready to ride with confidence? Get a free Illinois motorcycle insurance quote today or contact GEICO’s insurance specialists to see how much you could save.