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Motorcycle Insurance in Illinois

There are two different classifications of motorcycle licenses in the state of Illinois. A class L license permits drivers to operate motor-driven cycles, which are two-wheeled vehicles with less than 150 cc displacement. A class M license allows drivers to operate motorcycles with over 150 cc displacement. Applicants must be at least 16 years old and must have parental permission if under 18 years of age.

Motorcycle License Requirements

  • Identification
  • Fees
  • Parental permission (if under 18)
  • Driver education course (if under 18)
  • Vision exam
  • Written exam
  • Driving exam

If an individual is over 18 years of age and presents an IDOT Motorcycle Rider Course Student Completion Card at the time of application, the written and driving tests can be waived.

Insurance Requirements

The minimum motorcycle insurance requirement in the state of Illinois is liability. Motorcyclists must have coverage of at least $20,000 for injury or death to one person and $40,000 for injury or death to two or more people. Drivers must also have motorcycle insurance coverage of at least $15,000 for damage to property that results from a collision. Motorcycle insurance laws require drivers to have proof of insurance within their vehicles at all time. If an individual does not have proof of insurance, he or she will face fines. Driving uninsured will result in severe consequences, including license suspension and jail time. For drivers that have trouble acquiring insurance, Illinois offers a statewide insurance plan.

Insurance Rates

Accord to Illinois’ state website, motorcycle insurance premiums can be affected by a variety of factors. These include age, location, and the make, model, and year of the vehicle. Gender and marital status also play a part in determining motorcycle insurance costs. Unmarried individuals and males tend to get into more collisions, and therefore pay higher premiums. Poor credit history may cause motorcycle insurance companies to charge more for an insurance policy. A poor driving record will lead to higher premiums as well. In extreme cases, it can interfere with an individual’s ability to obtain adequate coverage.

State Laws

Following the Illinois’ state driving and motorcycle laws will not only keep you safe, but it can also keep you out of trouble, which can help keep your motorcycle insurance premium low. Below is a list of some laws related to operating motorcycles in the state, derived from the Illinois Vehicle Code.

  • Eye protection is required, unless the motorcycle has an adequate windscreen.
  • Motorcycles are required to use headlights during the day.
  • Passenger seats and footrests are required when carrying passengers.
  • A motorcycle must have a left or right mirror, but is not required to have both.
  • Handlebars must be at shoulder height.