Illinois Motorcycle Insurance
Whether you are riding with your friends around large Illinois cities like Chicago, Rockford and Peoria or cruising the Illinois countryside and taking in the vast prairie lands, the Land of Lincoln is a great place for riding your motorcycle. When riding motorcycles in Illinois, however, it is very important to have a quality motorcycle insurance policy that meets the Illinois state minimums. MotorcycleInsuranceQuotes.com is dedicated to helping Illinois riders stay protected and that is why we provide an easy to use service that provides our users with multiple online motorcycle insurance quotes so you can get back on the road where you belong.
How Much Motorcycle Insurance Does Illinois Require?
Like almost every other state in the country, the Prairie State of Illinois has a minimum amount of liability insurance coverage that every driver on the road is required to obtain. Your liability insurance policy is designed to pay for damages for the other parties and not for yourself, so it is wise to always have an Illinois motorcycle insurance policy that exceeds these minimums and protects your motorcycle investment. The Illinois state minimum coverages are:
- Bodily Injury Liability - Designed to pay medical expenses for the other parties involved in a collision, the state of Illinois requires a minimum of $20,000 per person and $40,000 for all persons in bodily injury liability coverage.
- Property Damage Liability - When you're in an accident on your motorcycle it is usually more than people that are injured. Illinois requires $15,000 in property damage liability coverage to pay for damages to other vehicles, buildings and other property.
The state of Illinois also recommends that all motorcycle owners obtain the optional uninsured/underinsured motorist coverage offered by insurance companies to help pay for damages to your vehicle when the other party does not have adequate coverage.
Illinois Helmet Laws
Only a few states in the United States do not require motorcycle riders and passengers to wear a protective helmet while operating a motorcycle. Illinois is one of them. While the state of Illinois does not have any helmet laws on the books it does require all riders to have protective eyewear while riding. This protective eyewear can be prescription glasses, shatter proof sunglasses, goggles or a bike mounted windshield. While a motorcycle helmet is not required by law, other states do require them so you should own and use a motorcycle helmet if you are planning on riding outside of the state.
Whether you are an experienced rider or are about to purchase your very first motorcycle finding the best Illinois motorcycle insurance policy for your money is very important. Fortunately, MotorcycleInsuranceQuotes.com has made it easier than ever to find affordable motorcycle insurance from reputable companies you can trust. Simply fill out our motorcycle insurance questionnaire and we will return with multiple low-cost motorcycle insurance quotes so you can choose the Illinois motorcycle insurance policy that meets both your needs and your budget.