Motorcycle Insurance in Illinois
Illinois is a state that offers a unique experience for motorcycle enthusiasts. With scenic routes like the Great River Road, Starved Rock State Park, and the Galena Loop, Illinois offers a range of terrains that make it a popular destination for bikers across the country. However, when it comes to motorcycle insurance, Illinois stands out from the rest of the US.
Is Motorcycle Insurance Required by Illinois Law?
Motorcycle insurance in Illinois is mandatory, just like in many other states across the US. However, the state of Illinois has minimum coverage requirements that are higher than most other states. For instance, the state requires a minimum of $25,000 in bodily injury coverage per person and $50,000 per accident, as well as $20,000 in property damage coverage. These requirements are higher than those in most other states.
Why is Motorcycle Insurance Mandatory in Illinois?
Moreover, Illinois has a high number of motorcycle accidents compared to other states. In 2020, there were 2,654 motorcycle crashes in Illinois, resulting in 2,414 injuries and 148 fatalities. These numbers are significantly higher than the national average, with Illinois ranking 8th in the country for motorcycle fatalities. This highlights the need for adequate motorcycle insurance coverage in the state.
Most Popular Motorcyles in Illinois
When it comes to specific models of motorcycles, Illinois sees a significant number of accidents involving sportbikes and cruisers. Sportbikes, such as the Yamaha R6 or Suzuki GSX-R, are designed for high speeds and sharp turns, making them a popular choice for thrill-seekers. However, they are also more likely to be involved in accidents due to their speed and maneuverability. Similarly, cruisers, like the Harley-Davidson Road King or Indian Chief, are popular for their style and comfort, but are also heavier and less maneuverable, leading to a higher risk of accidents.
What's the Cost of Motorcycle Insurance in Illinois?
In addition to the higher risk of accidents and minimum coverage requirements, motorcycle insurance in Illinois can also be affected by location. For example, motorcycle insurance rates in Chicago can be higher than in other parts of the state due to the higher population density and traffic congestion. Similarly, riders in rural areas may face different risks, such as accidents caused by animals on the road.
Differences in Motorcycle Insurance in Illinois vs. Other States
Motorcycle insurance in Illinois is different from that in other states due to its higher minimum coverage requirements and higher risk of accidents. These differences highlight the need for Illinois motorcyclists to have adequate insurance coverage, particularly when riding popular models such as sportbikes and cruisers. With the right insurance coverage from Jeff Vukovich, riders can enjoy Illinois' scenic routes and iconic locations like Route 66, Lake Shore Drive, and the Illinois River Road without worrying about the financial consequences of an accident.