Motorcycle, Scooter & ATV
Motorcycle Insurance for the Whole Riding Season
Cruiser, sport bike, scooter, trike, or a four-wheeler for the trails — we write coverage for the bike, the gear, and the parts you added yourself.
Illinois requires liability coverage on any motorcycle registered for the road, at the same 25/50/20 limits as a car. That's the floor. Because riders are far more exposed in a crash, uninsured motorist and medical payments coverage carry real weight here.
Custom exhaust, saddlebags, chrome, a new seat, or a lift kit are usually not covered at full value under a base policy. We add accessory coverage so the money you put into the bike is actually protected.
Riding seasonally? Ask about layup options that reduce coverage over the winter months while keeping comprehensive protection in the garage.
What This Policy Can Include
Liability
Required bodily injury and property damage coverage for road-registered bikes.
Collision
Repairs your bike after a crash, including single-vehicle drops and slides.
Comprehensive
Theft, vandalism, fire, and weather damage while the bike is parked or stored.
Uninsured / Underinsured Motorist
Critical for riders — protects you when the driver who pulled out has no coverage.
Custom Parts & Accessories
Covers exhaust, bags, chrome, seats, and other upgrades beyond the factory build.
Riding Gear & Roadside
Helmet and jacket coverage plus towing built for bikes, not just cars.