Motorcycle Insurance for Illinois
Illinois motorcycle insurance for riders who actually ride.
From the Illinois Ozarks to Chicago traffic, coverage that understands how Illinoisans ride.
Illinois at a Glance
Requirement | Details |
|---|---|
Minimum liability | 25/50/20 ($25k/$50k bodily injury, $20k property) |
Uninsured motorist | Required, $25k/$50k minimum |
Helmet law | None. Illinois is one of only three states (with Iowa and New Hampshire) with no helmet requirement at any age. |
Lane splitting | Illegal in Illinois (625 ILCS 5/11-703) |
Eye protection | Required unless the bike has a windshield |
Registration | Proof of insurance required, verified electronically through the Secretary of State. No periodic safety inspection for private vehicles. |
Requirements and regulations may change — verify with the Illinois Department of Insurance for the most current information.
What you need to know about Motorcycle Insurance in Illinois
Illinois Minimum: 25/50/20
Liability coverage required: $25k/$50k bodily injury, $20k property damage, plus uninsured motorist coverage. We'll help you figure out if you need more.
Custom Builds Welcome
Roamly works with carriers who may insure your garage-built café racer for what it's actually worth — not some database number. Agreed Value coverage options available through our carrier partners.
Rent Your Bike, Keep Coverage
List on Twisted Road or Riders Share without losing your policy. Most insurers won't do this. Roamly works with carriers who may be able to help.
SR-22? We Handle It
Need to get back on the road after a rough patch? Roamly works with carriers that file SR-22s and make the process simple.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Emergency Roadside Service | Dead battery at 2 AM? Through Roamly's carrier partners, roadside assistance options may include flatbed towing and jump starts — because bikes can't be towed like cars. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — your gear keeps you alive. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Peer-to-Peer Rental Coverage. Seriously.
You want to list your bike on Twisted Road while you're traveling. Smart move. Most insurers cancel your policy the second someone else touches your throttle. Read the fine print — there's usually a peer-to-peer exclusion buried in there.
Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms. Your bike, your side hustle, your coverage — still intact.
Illinois Requirements Without the Legal Speak.
Here's what the state actually requires: 25/50/20 liability coverage. That's $25k per person, $50k per accident for injuries, and $20k for property damage. Plus uninsured motorist coverage. No helmet required at any age, but eye protection is mandatory unless you've got a windshield.
That's it. The rest is about protecting yourself and your build. We'll help you figure out what makes sense for how you ride.
Requirements vary by state — check Illinois's Department of Insurance for current minimums.
Your Sweat Equity Has Real Value.
You didn't spend 200 hours building a custom bike to have it valued at stock KBB. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it can be insured for what it's actually worth. Your labor. Your parts. Your vision. Not some adjuster's guess.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. Illinois law references current as of 2026 — confirm current requirements with the Illinois Department of Insurance and the Illinois Secretary of State.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
25/50/20 liability coverage: $25,000 per person / $50,000 per accident for bodily injury, $20,000 for property damage, plus uninsured motorist coverage at a $25k/$50k minimum. That's the legal minimum to ride on public roads.
No. Illinois is one of only three states (along with Iowa and New Hampshire) with no helmet requirement at any age. Eye protection is required unless your bike has a windshield. Even without a helmet law, insurance companies may argue your choice increased injuries in a crash.
Liability-only averages around $200–$300/year. Full coverage (adding collision and comprehensive) runs about $740/year. Your actual rate depends on your age, bike, location, and record.
Yes. That's one of the main reasons Illinois riders choose us. Most insurers exclude rental platforms — check your fine print. We built coverage for how riders actually use their bikes.
Absolutely. We offer Agreed Value coverage — we'll document your mods and insure your bike for what it's actually worth, not some depreciated database guess.
Liability is the legal minimum — covers others if you cause an accident. Full coverage (collision + comprehensive) protects your bike, too. If you're financing, your lender almost certainly requires full coverage.
We handle it. SR-22 is a certificate proving you carry minimum coverage — required after DUI/DWI or riding uninsured. We file it, keep it active, and make the process simple.
No. Illinois law (625 ILCS 5/11-703) explicitly prohibits lane splitting. You can face up to a year in jail and $2,500 in fines if caught. The only exception is briefly moving between lanes to avoid a road hazard — then you need to get back in your lane immediately.
Because Illinois has one of the highest rates of uninsured drivers in the country. When someone without insurance hits you, uninsured motorist coverage is what pays your medical bills and repairs your bike.
Still have questions?
Call us at 877.725.1245
Illinois Motorcycle Insurance
Illinois motorcycle insurance for riders who actually ride.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
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