Motorcycle Insurance Providers in Illinois
IL Motorcycle Insurance in Illinois
Motorcycle Insurance Coverage Requirements in Illinois
- Minimum Liability Limits in IL: 20/40/15 
- 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 
- 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
Mandatory motorcycle insurance coverage for riders in the state of Illinois.
- Motorcycle Insurance Requirements in IL 
- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage
Motorcycle Helmet Laws in Illinois
Motorcycle Insurance Laws & Regulations in Illinois
Motorcycle License Regulations in Illinois 
Detailed information about Illinois laws and regulations regarding obtaining and maintaining a motorcycle license in the state.
- 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 
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
Illinois Motorcycle Registrations
- Registered Riders in IL 
- 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 
- Rural interstates: 65 mph
- Urban interstates: 55 mph
- Other roads: 55 mph
- Consumption of Motor Fuel in IL 
- Illinois ranked 7th in the U.S. in 2011 in total motor fuel consumption.
Illinois Accident Reporting Regulations
- Accident Reporting in IL 
- 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.
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. 
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. 
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. 
Additional information about Illinois
Illinois as a whole has an approximate population of 12,830,632, which ranks 7th in the nation. 
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 number of miles you typically ride per a year and where you store your bike can directly affect your motorcycle insurance rates.
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)