Although it differs by state, mandatory motorcycle minimum insurance does exist in all states. For example, in Illinois, the motorcycle insurance requirements are:
- Required Minimum Bodily Injury Coverage of $20,000 per person injured in any one a accident and $40,000 for all persons injured in an accident
- Required Minimum Property Damage Coverage of $15,000 for injury to or destruction of other’s property in any one accident
However, to fully insure your Harley-Davidson you may want to consider buying optional higher limits or coverages:
Bodily Injury Liability- This covers medical expenses, lost wages and pain and suffering to anyone resulting from an accident you caused.
Property Damage Liability- This covers damages resulting from damage to another person’s property when you’re at fault.
Uninsured/Underinsured Motorists Coverage- This covers riders from drivers who don’t have or who have inadequate insurance.
Medical Payments- This covers reasonable and necessary medical expenses that result from an injury to you or any passengers.
Collision- This covers damage to your motorcycle resulting from a collision with another car, motorcycle, tree, building or any other object.
Comprehensive- This covers other than collision damage. It includes:
Custom Parts and Equipment- This covers damage to any custom parts or accessories you may have on your bike.
Roadside Assistance- If your vehicle is disabled caused by a mechanical or electric breakdown, dead battery, flat tire, lockout, insufficient fuel, entrapment in snow, mud, water or sand within 100 feet of the roadway, this coverage will pay for towing and any immediate necessary repairs.
Remember to shop around. Motorcycle insurance premiums for your Harley-Davidson can vary widely from carrier to carrier.