Georgia Motorcycle Insurance Information & Services

Two-wheeled vehicles in Illinois are defined as motor-driven cycles if their engine displacement is less than 150cc. Any engine size larger than 150cc constitutes a motorcycle, and must be insured as such.  

Regardless of engine size however, the driver of any motor vehicle which requires a license plate to be registered with the DMV must prove financial responsibility in order to legally operate a motorcycle on public roads in Illinois. 

In Illinois the only proof of financial responsibility is the purchase and maintenance of a motorcycle liability insurance policy.


Liability Motorcycle Insurance: Illinois Minimum Insurance Requirements 

All vehicles and or drivers must have at least the following amounts of bodily injury and property damage liability insurance to satisfy the Illinois liability auto insurance standards:

  • $20,000 of coverage for bodily injuries to or the death of one person in an accident.

  • $40,000 of coverage for bodily injury to or death of more than one person in one accident.

  • $15,000 of property damage liability coverage per accident. 

These limits do not offer any insurance benefits to the policy holder other than protection from a lawsuit. If you injure or kill someone else as a result of your riding, liability coverage for your motorcycle will pay their hospital bills, but if you cause an accident and hurt yourself, this basic motorcycle insurance will not pay for your medical bills, repair costs, or other bodily injury expenses. 

If you want more thorough protection including the peace of mind of having motorcycle repair costs and any future hospital bills covered, you need the dependability of full coverage Illinois motorcycle insurance. Click on the button below to learn more. 

If the absolute cheapest Illinois motorcycle insurance is what your after, you can get free quotes instantly by clicking the button above right, but it goes without saying that anybody that can afford the safety net of more than minimum liability insurance should always invest in it.


Do i Need Illinois Motorcycle Liability Insurance?

Yes. Some states offer statutory alternatives to maintaining liability motorcycle insurance, but Illinois is not one of them.

The only legal way to operate any motor vehicle, including motorcycles on the public roads of Illinois is to purchase and maintain a liability motorcycle insurance policy. Any confusion as to what class of vehicle your two or three wheeled cycle falls into can be directed to the office of the Illinois Secretary of state at (800) 252-8980.

Proof of your Illinois motorcycle liability insurance policy is required whenever you ride your motorcycle. Law enforcement officers and the department of motor vehicles may request that you furnish them with proof of insurance at any time.

Liability and Helmets

In Illinois, no amount of financial responsibility limits is waived by wearing a helmet when you ride. 

Some states may require less liability motorcycle insurance when riders wear a helmet, however Illinois is not one of those states and doesn’t require that cyclists wear helmets to in any case.   

Lapses in Coverage and Failing To Maintain Financial Responsibility 

If you are not able to provide proof of motorcycle insurance or financial responsibility during a traffic stop or when it is requested by an Illinois law enforcement officer or agent of the department of motor vehicles, you will be issued a citation allotting you a certain number of days to provide the proof. 

If you cannot provide proof of adequate motorcycle liability insurance within the given time frame, your license plates and registration will be suspended, sending up a red flag to any police who see you on your motorcycle on public roads. If it is your second time being caught riding without insurance, the suspension will last no less than four months. 

Once you provide proof of insurance or purchase a new motorcycle insurance policy, you will be obligated to pay a $500 fine for driving without insurance,  as well as a $100 license plate reinstatement fee. 

While no one may drive your vehicle while its plates are suspended, you may drive another vehicle that's covered by insurance.



Other Motorcycle Insurance Coverage Options

  • Collision

  • Comprehensive

  • Full coverage

  • Personal Effects

  • Uninsured Motorist/ Under insured Motorist

  • Multiple Motorcycle

  • Many More


For more information on the ins and outs of Georgia auto and motorcycle insurance, you can refer to the Insurance Department of Georgia's website at http://www.dot.state.il.us/