Who Has the Best Cheap Motorcycle Insurance in Illinois?
Progressive has the best price for motorcycle insurance in Illinois, at $15 per month, on average.
Find Cheap Motorcycle Insurance Quotes in Illinois
Best cheap motorcycle insurance in Illinois
How we chose the top companies
Cheapest motorcycle insurance companies in Illinois
Progressive is the cheapest option for motorcycle insurance in Illinois.
Progressive charges just $15 per month, which is about half the state average. It's also $11 cheaper than the next-cheapest option, Geico, where the average price is $26.
Compare motorcycle insurance quotes from providers in Illinois
The average cost of motorcycle insurance in Illinois is $29 per month. That's 9% cheaper than the national average.
Cheapest motorcycle insurance in Illinois
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $15 | |
| Geico | $26 | |
| Harley-Davidson | $27 | |
| Dairyland | $34 | |
| Nationwide | $34 | |
| Allstate | $36 | |
Best for most people: Progressive
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Editor's rating
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Cost: $15/month
Overview
Pros/cons
Progressive offers the best mix of cheap rates, reliable customer service and helpful coverage options in Illinois.
Progressive has the best motorcycle insurance in Illinois. It's the cheapest option in the state, and it has well-reviewed customer service and lots of coverage options.
Progressive motorcycle insurance costs around $15 per month for full coverage. That's nearly half the average rate in Illinois, and $11 less than the second-cheapest company, Geico.
In addition, the company's full coverage motorcycle insurance comes with extra coverage that most other companies charge for.
For example, you'll automatically get $3,000 of protection for custom parts and accessories. Progressive also offers lots of ways to customize your protection, including replacement cost coverage for new bikes, trip interruption and roadside assistance.
Progressive doesn't offer rental reimbursement coverage. This pays for a rental car while your bike is in the shop after a crash, so it can be an important add-on if your motorcycle is your only vehicle.
If you need rental reimbursement coverage, you might consider Harley-Davidson instead. However, given how much you'll likely save by choosing Progressive, it may be worth it to forgo this coverage.
Customers tend to be happy with the service they get at Progressive. The company gets only one-third as many complaints as a typical insurance company. That means you can count on Progressive to get your life back to normal quickly after an accident.
Best for daily riders: Harley-Davidson
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Editor's rating
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Cost: $27/month
Overview
Pros/cons
Harley-Davidson is the best option for daily riders willing to pay more for the right motorcycle insurance coverage.
Harley-Davidson is the best option for daily riders because it offers important coverage add-ons, such as rental reimbursement and roadside assistance. These coverages can help keep your life on track if something happens to your motorcycle.
- Rental reimbursement helps pay for a rental car while your motorcycle is in the repair shop after an accident.
- Roadside assistance covers the cost of towing and certain roadside emergencies including replacing a flat tire, fuel or fluid delivery or a battery jump-start.
Harley-Davidson also offers lots of other coverage add-ons, such as guest passenger liability, custom parts coverage and trip interruption coverage — which may be useful on long motorcycle tours.
However, Harley-Davidson has much higher insurance rates than our top pick, Progressive. Its average price is $27 per month, which is 80% more expensive than Progressive.
In addition, Harley-Davidson gets 64% more complaints than similar insurance companies. This suggests that riders aren't very happy with the service they get from Harley.
Another downside of choosing Harley-Davidson is that it doesn't offer other kinds of insurance. That means you may miss out on a bundle discount. You'll also have to manage your motorcycle policy separately from your auto, home or renters insurance policy.
Best for military riders: USAA
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Editor's rating
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Cost: $14/month
Overview
Pros/cons
USAA offers the cheapest rates for Illinois riders with military ties.
USAA is partnered with Progressive to offer the best motorcycle insurance in Illinois to military riders at a discount.
USAA members get a 5% discount on Progressive motorcycle insurance. That takes Progressive's already low rates down to an average of $14 per month in Illinois.
In addition, USAA members get access to all of the same perks as Progressive customers.
That means your basic full coverage policy will include extra features, such as original equipment manufacturer (OEM) protection.
Illinois motorcycle insurance: Costs by city
Chicago is the most expensive place to insure a motorcycle in Illinois.
Full coverage motorcycle insurance in Chicago costs $45 per month, on average. That's 56% more than the state average.
Among the state's larger cities, there are a number of areas where you can get the cheapest rate, $25 per month, including Aurora, Elgin and Waukegan.
Average cost of motorcycle insurance by Illinois city
City | Monthly cost | % from average |
|---|---|---|
| Aurora | $25 | -11% |
| Bartlett | $29 | 1% |
| Belleville | $27 | -6% |
| Berwyn | $38 | 32% |
| Bolingbrook | $27 | -7% |
Insuring a motorcycle can cost you different amounts depending on where you live. Local road conditions, traffic patterns and accident statistics may all factor into the rates that insurers determine for coverage in a particular area.
Illinois motorcycle insurance requirements
In Illinois, all motorcycle owners must have insurance with at least 25/50/20 of liability coverage. You must also have matching uninsured and underinsured bodily injury liability coverage.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $20,000 per accident
- Uninsured and underinsured motorist bodily injury: $25,000 per person and $50,000 per accident
Insurance companies will almost never sell you a policy that offers coverage below these minimums.
However, the minimum required coverage may not be enough to cover the cost of a major accident.
For example, liability insurance alone won't pay to fix your motorcycle — you'll need to add collision and comprehensive coverage if you want protection for your bike.
How do you get a motorcycle license in Illinois?
There are two kinds of motorcycle licenses in Illinois. The one you need depends on how powerful a motorcycle you want to get.
Class M licenses are for any motorcycle or motor-driven cycle. Class L licenses are for motorcycles with less than 150 cc displacement. Most people will want a Class M license.
To get a Class M endorsement in Illinois, you must pass a:
- Written knowledge test
- Vision exam, and
- Either a rider skill test or an approved training course
If you're 16 or 17 years old, you must take both the approved education course and the skill test. If you don't currently have a regular Illinois driver's license, you'll also need to pass the basic written test and vehicle test for a regular driver's license before earning your Class M endorsement for motorcycles.
Frequently asked questions
How much is motorcycle insurance in Illinois?
Illinois motorcycle insurance costs an average of $29 per month for a full coverage policy. That's $3 per month less than the national average, which is $32 per month.
Is motorcycle insurance required in Illinois?
Yes, you must have insurance to legally ride a motorcycle in Illinois. The state requires your policy to have a minimum of $25,000 of bodily injury liability coverage per person and $50,000 per accident, and matching uninsured/underinsured motorist bodily injury limits. You must also have $20,000 of property damage liability coverage.
Methodology
To find the best cheap motorcycle insurance in Illinois, ValuePenguin collected 357 quotes across the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
ValuePenguin selected top companies based on complaint data from the National Association of Insurance Commissioners (NAIC), alongside ratings from J.D. Power and AM Best.
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
