Motorcycle Insurance in Chicago
Coverage options for motorcycles, riders, liability, physical damage and available accessories protection.
More than 800 customer reviews across Google, Yelp and the agency website. Read customer reviews
Motorcycle insurance is structured much like auto coverage — liability, physical damage and uninsured motorist protection — but the details that matter to riders are different: passengers, gear, custom parts and a riding season that stops for winter.
Illinois requires liability coverage for motorcycles registered in the state. Everything above that requirement is a choice worth understanding.
What this coverage may include
Liability
Responds to injuries and property damage you are legally responsible for, up to the limits you choose.
Collision
May pay for damage to your bike from a collision, subject to your deductible.
Comprehensive
May pay for theft, fire, vandalism and similar non-collision losses, subject to your deductible.
Uninsured and underinsured motorists
Applies when the at-fault driver has no insurance or not enough of it — a meaningful coverage for riders.
Accessories and custom equipment
Coverage for aftermarket parts, saddlebags and similar equipment may be available as an endorsement, subject to limits.
Passenger considerations
How passengers are addressed varies by policy. It is worth confirming if you regularly ride two-up.
Who may benefit from this coverage
- Riders who commute or ride recreationally in the Chicago area
- Owners of bikes with aftermarket parts or custom work
- Riders who carry passengers regularly
- Owners storing a bike over the winter
- Riders who want limits above the state minimum
Coverage decisions worth thinking through
Whether to carry physical damage year-round
Dropping comprehensive over winter can also drop theft and fire protection while the bike is stored. Weigh that before making a seasonal change.
Accessory limits
Standard accessory limits may not reflect what you have added. Higher limits may be available.
Storage and location
Where the bike is stored — garage, shared building, street — affects both risk and eligibility.
Gear and helmets
Riding gear is handled differently across policies. Ask specifically rather than assuming.
Riding around Chicago
A short riding season, potholes and rail crossings, heavy summer traffic, and long winter storage shape what riders here actually need. Theft exposure differs a great deal between a locked garage and a spot on the street.
Why work with the Joe Schneider Agency?
The agency has served Chicago since 2005 from its office on North Avenue, and Joe and his team bring more than 20 years of local experience to conversations like this one. We explain options in plain English, review what you already have, and leave the decision with you.
More than 800 customer reviews across Google, Yelp and the agency website. Read customer reviews
The Joe Schneider Agency is licensed to sell insurance in Illinois, Indiana and Wisconsin.
Coverage availability varies by product, location, eligibility and underwriting requirements. Some products may be offered or issued by third-party insurance providers.
Things people ask us about this coverage.
Is my bike covered while it is stored for winter?
+
Physical damage coverage may apply to certain losses while the bike is stored, depending on the policy. We will explain what your options include.
Are accessories and gear covered?
+
Certain accessories may be covered only if you add the available endorsement, subject to limits. Riding gear is handled differently by policy.
Does my auto policy cover my motorcycle?
+
Generally no. Motorcycles are typically written on their own policy.
Is a passenger covered if I ride two-up?
+
It varies by policy, and some coverages address passengers differently than the rider. Confirm the specifics if you carry passengers regularly.
Should I cancel coverage over the winter?
+
Cancelling removes theft, fire and vandalism protection while the bike sits, and a lapse can affect future pricing. We will walk through the trade-offs.