Motorcycle Insurance for the Open Roads of Southern Illinois
Your bike isn’t just a way to get around—it’s a passion, a lifestyle, and a big investment. Motorcycle insurance helps protect you, your ride, and others on the road. Whether you ride daily or seasonally, we help riders across Southern Illinois get the right protection for cruising the highways or winding country backroads. From custom bikes to touring models, we understand what your motorcycle means to you and how to properly insure it.
What Does Motorcycle Insurance Cover?
Motorcycle insurance can include liability for bodily injury and property damage, collision and comprehensive coverage, uninsured/underinsured motorist protection, and coverage for accessories or custom parts. It also helps with medical payments and roadside assistance if needed. We’ll guide you through the available options based on how often you ride, your experience, and the type of bike you own—so you’re protected every time you hit the road.
Coverage That Rides With You
Every rider is different. We ask about your bike, riding habits, and budget, then recommend a policy that checks all the boxes — without overdoing it.
Key Coverages to Consider
Liability Protection
Meets Illinois state requirements and helps cover injury or damage to others if you're at fault.
Collision & Comprehensive
Pays for damage to your bike from accidents, theft, weather, or animals.
Gear & Accessories
Covers helmets, riding jackets, saddlebags, and custom parts or equipment.
Motorcycle Insurance FAQs
Is motorcycle insurance required in Illinois?
Yes. State law requires liability coverage. We can help you meet the minimum and add what you need.
Can I pause coverage in the winter?
Yes, and bundling often saves money.
What if I add custom parts to my bike?
You can add coverage for custom equipment, chrome parts, and aftermarket upgrades.
What about passengers?
We’ll explain how guest passenger liability works.