Motorcycle Insurance Is Mandatory in Illinois

Motorcycles operated and registered in Illinois are subject to the Illinois Mandatory Insurance Law.

Minimum liability limits are:

Bodily Injury — one person

Bodily Injury — per accident

Property Damage

Commonly shown as:

These are only legal minimums.

Higher liability limits may provide substantially better financial protection.

Motorcycles are included in Illinois' Electronic Liability Insurance Verification program.

If insurance cannot be verified, the registration may ultimately be suspended.

Do not ignore an Illinois insurance-verification letter.

Illinois currently does not require motorcycle riders to wear a helmet.

However, Illinois does require qualifying eye protection.

The operator and passenger must generally be protected by:

Contact lenses alone do not satisfy the statutory eye-protection requirement.

Illinois does not generally require Collision and Comprehensive simply because you own a motorcycle.

However, a lender or leasing company may require them.

Coverage may include:

Coverage varies.