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Most Affordable Motorcycle Insurance in Illinois

Do You Need Motorcycle Insurance in Illinois?

In the state of Illinois, you can face heavy fines and penalties for riding without motorcycle insurance. It is just as important for you to have proof of motorcycle insurance coverage as it is to have auto insurance.

Accurate Auto Insurance offers the lowest motorcycle insurance quotes in Illinois with coverage options that match what you need. We also specialize in SR22 insurance for Illinois riders which can be required by the state following a DUI, DWI, or other serious traffic offenses.

Many riders in Illinois believe if they have typical car insurance, they don’t need separate motorcycle coverage. But it’s important to understand that the coverage is different. Riding a motorcycle puts you at an increased risk of injury than driving in a car does, therefore it’s important to have the appropriate amount of coverage in case you are involved in an accident. Accurate Auto Insurance will help you get the comprehensive coverage you need, bundling all your insurance into one convenient package at the most affordable price.

Illinois Motorcycle Insurance Requirements

In states like Illinois, which require mandatory motorcycle insurance, you’re also required to carry liability insurance. Liability coverage is the term used for the combination of bodily injury and property damage coverages. This insurance protects you against claims filed by others who were involved in an accident for which you’re at fault. If the occupant of another vehicle or a pedestrian suffers a physical injury that is determined to be your fault, the financial burden of compensating them is met by your insurance company under bodily injury coverage. Any damage that is caused to another vehicle or other property is paid through property damage coverage.

Illinois mandates that all motorcycles carry the minimum 25/50/20 liability insurance coverage. This includes:

  • $25,000 coverage for the injury or death of one person in an accident
  • $50,000 coverage for the injury or death of more than one person in an accident
  • $20,000 coverage for damage to the property of another person

Please note that you must always carry your insurance card and show it when requested by any law enforcement officer.

Additional Coverage Beyond Liability

In addition to the Illinois state-required liability insurance, you may want to consider these other forms of coverage:

  • Underinsured/Uninsured Motorist. If you’re injured in an accident caused by another driver that is underinsured or uninsured, this coverage will help you get compensated for your injuries.
  • Comprehensive coverage. This will pay the cost of replacement or repair if your motorcycle is stolen or damaged in a non-collision accident.
  • Collision coverage. This will cover any repair or replacement if your motorcycle is damaged in an accident, regardless of who is at fault
  • Medical. Coverage for medical expenses for injuries that occur during an accident, no matter who is at fault.

How Accurate Auto Insurance Can Help

Here at Accurate Auto Insurance, we pride ourselves on the longstanding partnerships we’ve built with the top-rated motorcycle insurance carriers that allow us to instantly generate the lowest motorcycle insurance quotes for our customers.

We understand it’s important to shop around for the best deals to save money, but that takes up a lot of your time and effort. Instead of doing all the work yourself, let us do the hard work for you. We’ll get you quotes from a number of providers so you can easily compare your motorcycle insurance rates. We want you to find the perfect deal that fits your budget.

Finding the lowest motorcycle insurance is fast and easy with Accurate Auto Insurance’s innovative quote software. All you have to do is enter your zip code and from there we’ll help you narrow down your options to the package that best fits your motorcycle insurance needs. Our software and the relationships we’ve built with more than two dozen motorcycle insurance carriers allow us to pass along amazing benefits in savings and time to our customers.

Whether your driving record is perfectly clean or less than so, enter your zip code now to get your fast, affordable motorcycle insurance quote!

Contact Us Today!

Accurate Auto Insurance is proud to offer online motorcycle insurance and SR22 insurance to the Chicagoland area and all regions of Illinois. We have offices in Chicago, Bridgeview, Homewood, Joliet, Elgin, and Peoria.

If you have any questions about how to obtain an Illinois motorcycle insurance quote or policy, call us today at (800) 999-1034.