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Comprehensive Local Motorcycle Insurance Guide

Illinois Motorcycle Insurance

Motorcycle Registrations in IL

^ There are 364,655 registered motorcycles in Illinois, the 5th highest number in the nation. [1]

Motorcycle Insurance in IL by City

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Motorcycle Insurance Providers in Illinois

IL Motorcycle Insurance

IL Motorcycle Insurance in Illinois

Motorcycle Insurance Coverage Requirements in Illinois


  • Minimum Liability Limits in IL: 20/40/15 [2]
    • 20  Required coverage up to $20,000 for one individual injured in an accident
    • 40  Required coverage up to $40,000 for all persons injured in an accident
    • 15  Required coverage up to $15,000 for property damage in an accident

  • Insurer Verification of Insurance in IL [2]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurer must verify financial responsibility or insurance after an accident or arrest.
    • Insurer must verify randomly selected insurance policies upon request.

Illinois Motorcycle Insurance Liability Requirements

Required Motorcycle Insurance Coverage in Illinois

Mandatory motorcycle insurance coverage for riders in the state of Illinois.

  • Motorcycle Insurance Requirements in IL [2]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage

Motorcycle Helmet Laws in Illinois

    • No law in place. [3]

Motorcycle Insurance Laws & Regulations in Illinois

Motorcycle License Regulations in Illinois [4]

Detailed information about Illinois laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

Motorcycle License Regulations in Illinois
  • Motorcycle License Laws in IL
    • Licenses will not be issued to any person under the age of 18 as an operator of a motorcycle unless the person has completed a motorcycle training course approved by IDOT and the required Secretary of State's motorcycle driver's examination.
    • A 12-month instruction permit for a motor-driven cycle or motorcycle may be issued to a person 18 years of age or more, which entitles the holder to drive upon the highways during daylight under the direct supervision of a licensed motor-driven cycle operator or motorcycle operator with the same or greater classification, who is 21 years of age or older and who has at least 1 year of driving experience.
    • An instruction permit for a Class M license may be issued to an applicant under age 18 only after successful completion of an approved driver education course and documentation of enrollment in an Illinois Department of Transportation (IDOT) Motorcycle Rider Education course.

Motorcycle Equipment Laws in Illinois [4]

Various regulations and laws in Illinois regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

  • Motorcycle Equipment Laws in IL
    • Illinois does not have a motorcycle helmet law.
    • Every driver and passenger must be protected by glasses, goggles, or a transparent shield.
    • Any motorcycle carrying a passenger, other than in a sidecar or enclosed cab, must be equipped with footrests for such passenger.
    • No person shall operate any motorcycle with handlebars higher than the height of the shoulders of the operator when seated on the motorcycle.
    • Motorcycles and motor-driven cycles need not be equipped with electric turn signals.

Rider & Driver Facts in Illinois

Rider & Driver Facts in Illinois

Illinois Motorcycle Registrations

  • Registered Riders in IL [1]
    • In 2012, Illinois totaled 364,655 motorcycles registrations.
    • This number ranks 5th in the United States by state (including Washington, D.C.).
    • Note: IL ranked 4th in the nation in total auto registrations (all vehicle types) in 2011.

Illinois Highway Facts

  • Speed Limits in IL [3]
    • Rural interstates: 65 mph
    • Urban interstates: 55 mph
    • Other roads: 55 mph
  • Consumption of Motor Fuel in IL [5]
    • Illinois ranked 7th in the U.S. in 2011 in total motor fuel consumption.

Illinois Accident Reporting Regulations

  • Accident Reporting in IL [4]
    • Crashes are required to be reported in cases of death, injury, or when property damage exceeds $1,500, or $500 if any vehicle involved in the crash is uninsured.
    • The deadline to file a report with the Department of Transportation is 10 days.

Illinois Demographics

Age Breakdown in Illinois

Approximately 74% residents in IL are 20 and older, while 21% are between ages 5 and 19, and 5% are under the age of 5. [6]


Household Income: Illinois vs. U.S.

The median household income in the state of Illinois is $61,618, which is about 6 percent more than the median income for the United States overall of $58,283. [6]


Income Breakdown in Illinois

About 14% of households in IL have incomes below the poverty level. Below is the complete income breakdown for the state. [6]


Additional information about Illinois

About Illinois

Illinois as a whole has an approximate population of 12,830,632, which ranks 7th in the nation. [6]

IL Motorcycle Insurance

IL Motorcycle Insurance

To learn more about Motorcycle Insurance in Illinois, or for additional resources related to Illinois Motorcycle Insurance, visit the Illinois Department of Insurance.

Did you know?

The type, style and age of the motorcycle you ride can affect how much you pay in motorcycle insurance premiums.

Illinois Cities

References

1. ^ Federal Highway Administration

2. ^ Property Casualty Insurers Association of America (PCIAA)

3. ^ Insurance Institute for Highway Safety (IIHS)

4. ^ AAA Digest of Motor Laws and/or Illinois DOT

5. ^ U.S. Department of Transportation

6. ^ United States Census Bureau (2010)