Motorcycle Insurance in Mount Prospect & Beyond
Protection for the Ride You Love
Motorcycles require their own dedicated insurance — separate from auto policies — to properly protect you and your bike. Illinois riders must carry liability coverage, and many choose added protections like collision, comprehensive, and accessory coverage for custom parts, helmets, and apparel. Riding in Chicagoland comes with unique risks: busy roads, unpredictable weather, and drivers who may not always see motorcycles. Whether you ride daily or seasonally, we help you build coverage that protects both your passion and your peace of mind.
What’s Included in Motorcycle Insurance
Liability Coverage
Required by Illinois law, liability insurance helps protect you financially if you cause injury or property damage. We help you choose limits that truly safeguard your assets.
Collision Coverage
Covers repairs or replacement of your bike after a collision, regardless of fault. Ideal for newer motorcycles or riders who want full protection.
Comprehensive Coverage
Protects your bike from theft, vandalism, hail, falling objects, and animal collisions — all common risks for Illinois riders.
Accessory & Custom Parts Coverage
Many riders invest in custom upgrades, accessories, and riding gear. We can include coverage for saddlebags, chrome, exhaust systems, helmets, jackets, and other enhancements.
Uninsured/Underinsured Motorist
Because motorcycle accidents with uninsured drivers can be severe, this coverage is essential. It helps pay medical expenses and damages when the other driver doesn’t have adequate insurance.
Seasonal & Storage Options
For riders who store their bikes during winter, insurers may offer lay-up credits or flexible seasonal coverage. We help you take advantage of these cost-saving options.
Extra Rider Benefits
Depending on the carrier, options may include roadside assistance for bikes or trip interruption coverage. We’ll help you compare benefits to match your riding style.
What to Expect From Our Team
We start by learning about your bike, your riding habits, and any custom parts or gear you want protected. Then we shop multiple motorcycle-friendly insurers to help you find strong coverage with competitive rates. Our local team understands the seasonal riding patterns and crowded suburban roads common in northern Illinois, and we’ll structure your policy to reflect those realities. When you need help — from questions to claims — you’ll speak with a knowledgeable agent who cares about keeping local riders safe.
Choosing the Right Motorcycle Coverage
Below is a simple comparison to help you understand how motorcycle coverage differs from auto policies.
| Coverage Type | What It Covers | Why It Matters |
|---|---|---|
| Motorcycle Liability | Injuries or damage you cause | Required by Illinois; essential for financial protectio |
| Collision vs. Comprehensive | Collision = crash damage; Comprehensive = theft/weather/animals | Reflects unique risks riders face on Illinois road |
| Accessory Coverage | Custom parts, gear, helmets, apparel | Protects your investments beyond the bike itsel |
| UM/UIM Coverage | Injuries from uninsured or underinsured drivers | Critical for rider safety and recovery |
| Seasonal Adjustments | Reduced coverage during storage months | Helps save money during winter downtime |
Interested in comparing your current policy? We’re here to help.
Common Questions About Motorcycle Insurance
Where can I get motorcycle insurance near Chicago?
Held Insurance Agency offers motorcycle coverage through multiple top carriers, helping riders across Mount Prospect and Chicago’s northwest suburbs get strong protection at competitive rates.
What does motorcycle insurance cover that my auto policy doesn’t?
Accessory coverage, seasonal adjustments, motorcycle-specific roadside assistance, and rider gear protection are all unique features not offered through standard auto policies.
Is motorcycle insurance expensive?
Costs depend on your bike, riding habits, and coverage choices. As an independent agency, we compare carrier rates to help you find the right balance of protection and affordability.
Do I need uninsured/underinsured motorist coverage?
Yes — it’s especially important for riders. This coverage helps protect you if a driver with little or no insurance causes an accident.
Can I insure custom parts or gear?
Absolutely. We can add accessory coverage for upgrades, helmets, jackets, and other custom items.
Ride With Confidence
We help riders across Mount Prospect & Beyond protect the bikes they love with personalized coverage and local support. Request a quote today and enjoy the road knowing your motorcycle is properly insured.
