Who Has the Best Cheap Motorcycle Insurance in Illinois?

That's 49% less than the state average. Harley Davidson also offer competitive rates and services that make them worth your consideration as well.

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Best cheap motorcycle insurance in Illinois

The cheapest motorcycle insurance companies in Illinois

Progressive is the cheapest option for motorcycle insurance in Illinois. The company charges just $15 per month — about half as much as a typical insurer. It's also $11 cheaper than the next-cheapest option, Geico, where the average price is $26.

The most expensive option we found is Allstate, where coverage costs $36 per month.

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Cheapest motorcycle insurance companies in Illinois

Best for most people: Progressive

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's typical rate for motorcycle insurance is $15 per month. That's 49% less than the average rate in Illinois, and $11 less than the rate from Geico, the second-cheapest option.

Customers also tend to be happy with the service they receive at Progressive. The company received 31% fewer complaints than a typical insurance company.

Coverage options at Progressive include replacement cost coverage for new bikes, trip interruption and protection for accessories and custom parts. However, daily motorcycle commuters with no other vehicles may want to consider Dairyland, as it offers coverage for a rental while your bike is being repaired.

Best customer service: Harley-Davidson

Harley-Davidson is the best option for dedicated riders willing to pay more for the best motorcycle insurance. The company's motorcycle insurance is the best-reviewed of any company in Illinois.

However, Harley-Davidson has significantly higher insurance rates than our top pick, Progressive. Its average price is $27 per month, which is 87% more expensive than Progressive.

Customers of Harley-Davidson Insurance tend to be very satisfied with their service and rarely file complaints with regulators.

The company also offers lots of coverage options that appeal to motorcycle riders, such as guest passenger liability, roadside assistance and trip interruption coverage — which may be useful on long motorcycle tours.

Another key drawback of Harley-Davidson is that it doesn't offer other kinds of insurance. That means you may miss out on a bundle discount, and that you'll have to manage your motorcycle policy separately from your auto, home or renters insurance policy.

Best for motorcycle commuters: Dairyland

If you use your motorcycle as a daily commute vehicle in Illinois, you may find a useful combination of coverage options at Dairyland. Most notably, it offers rental reimbursement coverage, so you won't be without a vehicle if your motorcycle is damaged in a crash.

It also offers roadside assistance, as well as enhanced coverage for original equipment manufacturer (OEM) parts.

However, be aware that Dairyland's coverage is 18% more expensive than the average rate in Illinois, at $34 per month. Additionally, its customer service ratings are quite poor: Customers were almost three times as likely to make a formal complaint about their service as a typical insurance customer.

Illinois motorcycle insurance: Costs by city

Among the state's larger cities, Mundelein is the cheapest option, where the typical price of coverage is just $25 per month.

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 riders are required to have liability coverage. This covers the cost of damage that a rider causes to other motorists or their property. The state's minimum required levels are often written as 25/50/20.

Insurers will almost never sell you a policy that offers coverage below these minimums, so it's unlikely you'll be in violation of the law so long as you have insurance of some kind. However, you can't assume that bare-bones coverage is sufficient to protect you financially. For example, liability insurance alone won't cover the costs of fixing your ride.

How do you get a motorcycle license in Illinois?

There are two kinds of license endorsements that apply to motorcycles in Illinois, and which one you have determines how powerful of a motorcycle you may ride.

Class L licenses are for motor-driven cycles with less than 150 cc displacement, and Class M licenses are for any motorcycle or motor-driven cycle. Most riders will want to obtain a Class M license. The requirements for a Class M endorsement include:

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 that certification before earning your class M endorsement for motorcycles.

Compare motorcycle insurance in Illinois vs other states

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.

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.