Motorcycle Insurance

Coverage for your bike when hitting the open road.

Motorcycle insurance to suit your lifestyle.

Home » Personal Insurance » Motorcycle Insurance

While you’re on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We’ll help you hit the road with smart, customized coverage—no matter what journeys you find yourself on.

If you ride a motorcycle, then you need motorcycle insurance in Illinois. Many motorcycle drivers mistakenly believe that their general auto insurance policy will cover them if they are in a motorcycle accident. This is not the case! In fact, auto insurance policies specifically exclude motorcycle coverage.

Why? The most common reason is because motorcycle drivers have a higher risk of injury. Motorcycle insurance works similarly to auto insurance, but offers specialized coverage for your bike.

Why do you need motorcycle insurance in Illinois?

State law requires that you have motorcycle insurance. And for good reason! Did you know that fatal accidents are 30 times more common in motorcycle accidents than car accidents? This is because motorcycle drivers face much higher risks than car drivers including:

  • Less preventative safety features: Many cars have advanced safety features like collision warning systems, cameras, and pedestrian detection software to prevent accidents. Motorcycles do not.
  • Less physical protection: Cars have seat belts and airbags that can safeguard drivers from sustaining serious injuries in the event of a crash. However, motorcycle drivers only have helmets and protective riding suits. While these are still safety features, they are arguably less effective.
  • No physical barrier: Car drivers are encased in a metal cage that acts as a barrier between themselves and other vehicles. Motorcyclists are exposed, which means that accidents are more likely to cause serious injuries.
What does motorcycle insurance cover?

As with general auto insurance, the minimum coverage required for motorcycle insurance in Illinois is liability. This includes bodily injury and property damage coverage, which cover medical and legal fees for a third party if you were to get into an accident. However, liability coverage does not typically cover you- the driver.

If you want more coverage in your motorcycle insurance policy, there are several options to choose from such as:

  • Motorcycle collision insurance
  • Comprehensive motorcycle coverage
  • Personal injury protection
  • Medical payments coverage
  • Uninsured/underinsured motorist bodily injury coverage
  • Rental reimbursement coverage

There is no better feeling than taking a scenic ride on your bike with the wind blowing through your hair and not a care in the world. However, even a minor accident without proper motorcycle insurance can cause a serious financial burden. At Reliant Agency, we offer several forms of personal and auto insurance including motorcycle insurance. We work with businesses and individuals within a 40 mile radius of Rolling Meadows, Illinois. If you live in the greater Chicago area and would like a quote for motorcycle insurance, don’t hesitate to contact us today! You can also fill out a quote request form below.

Motorcycle Insurance - Guy Riding Motorcycle Down Pine Lined Road

Get Started Today

As an independent agency, we are here to help you find the right Motorcycle Insurance coverage.

Get a Quote

  Motorcycle Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

  • This field is for validation purposes and should be left unchanged.

Get a Quote

It only takes a minute to get started.

  • Fill out the form, we’ll be in touch.
  • Review options with an agent.
  • Get the coverage you need.

Would you rather discuss this in person? Get in touch with an agent today!