Illinois Motorcycle Insurance

Motorcycle Insurance for Riders in the Prairie State

Interested in rider-focused insurance for on-road and off-road motorcycles, ATV / UTVs and other powersport vehicles in the land of Lincoln? Get a motorcycle insurance online quote, or learn more about Illinois motorcycle insurance, below.

Illinois state outline.

Innovative Insurance & Perks

Boundless Rider has rolled out rider-focused insurance in Illinois for on and off-road motorcycles and powersport vehicles. By choosing Boundless Rider for insurance, not only will riders in Illinois get affordable coverage, they’ll have access to innovative rider perks and resources. Enjoy low rates, insurance discounts and many optional coverages to choose from for better protection, including comprehensive and collision coverage, and optional higher limits.

We’ve got you covered.

Mandatory Insurance in Illinois

Motorcycle Insurance Requirements

In Illinois, you must have liability insurance before registering and operating a motorcycle. Mandatory coverages include Bodily Injury Liability, Guest Passenger Liability, Property Damage Liability, and Uninsured/Underinsured Motorist Bodily Injury coverage. 

Illinois-required minimum limits of liability coverage for Bodily Injury (BI) and Guest Passenger Liability (GP) are $25,000 per person, $50,000 per accident, and $20,000 Property Damage (PD) coverage per accident. You’ll also need Uninsured Motorist Bodily Injury (UMBI) limits of at least $25,000 per person and $50,000 per accident.

Optional Coverages: Higher Limits, UMPD & Medical Payments

Limits of Liability for Bodily Injury, Options for Higher Limits (Per Person / Per Accident)

  • $25,000 / $50,000 (mandatory minimum)
  • 30,000 / 60,000
  • 50,000 / 100,000
  • 100,000/ 300,000
  • Call for Higher Limits

Limits for Guest Passenger Liability (Per Person / Per Accident)

  • $25,000 / $50,000 (mandatory minimum)
  • 30,000 / 60,000
  • 50,000 / 100,000
  • 100,000/ 300,000
  • Call for Higher Limits

Limits for Property Damage Liability

  • $20,000 (mandatory minimum)
  • 25,000
  • 50,000
  • Call for Higher Limits

Uninsured / Underinsured Motorist – Bodily Injury Coverage (UMBI is mandatory, higher limits must be rejected in writing.)

  • $25,000 / $50,000 (mandatory minimum)
  • 30,000 / 60,000
  • 50,000 / 100,000
  • 100,000/ 300,000
  • Call for Higher Limits

Uninsured / Underinsured Motorist – Property Damage Coverage (UMPD is optional)

  • $15,000 ($250 deductible)

Medical Payments Coverage (optional)

  • $500
  • $1,000
  • $2,000
  • $5,000

Optional Coverages: Comprehensive & Collision

Although not required, in order to protect your vehicle from physical damage, regardless of fault, these coverages should be considered. 

Optional Insured Motorcycle and Powersport Vehicle Coverage

  • Comprehensive (ACV up to $60k)
  • Collision (ACV up to $60k)

Deductible Options (Comp & Collision only)

  • $100
  • $250
  • $500
  • $1000

Optional Coverage Enhancements (Comp & Collision only)

  • Helmet & Safety Apparel (included), $2k limit
  • Physical Damage Plus (OEM parts coverage)
  • Replacement Cost Coverage (motorcycle only)

Optional Equipment Coverage (Comp & Collision only)

  • $5000 included on motorcycles (including dual-sport bikes)
  • $1000 included on off-road vehicles (including dirt bike, ATV, UTV, snowmobile)
  • Limit options up to $20K

Additional Optional Coverages

Boundless Rider offers several ways for riders to customize their motorcycle insurance coverage, or powersport vehicle insurance coverage, to suit their individual needs.

Whether you transport bikes with a trailer or simply want better protection, our rider-focused insurance coverage enhancements are a great way to fit your insurance policy to your unique needs as a rider.

Check out some of our optional insurance coverage enhancements and endorsements.

Get Ready to Roll

Ride Boundless … Through the Heart of Illinois!

Get a quick motorcycle insurance quote to discover a new level of protection with Boundless Rider. Whether you ride through Chicago, Naperville, Rockford, Peoria or Springfield, we’ve got you covered. 

Not an Illinois resident? No worries. We offer motorcycle insurance in Arizona and Texas too. Chances are we’ll be heading to your state soon. Join our waitlist to be notified when we roll into your state. 

Content on this page is intended as advertising statements and is not an offer or promise of insurance coverage. This content should not be relied on when determining actual terms, conditions and exclusions applicable to a specific insurance policy. Limits and restrictions may apply. Always check with your agent about specific policy coverages, as well as applicable website(s) for state insurance coverage requirements.

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