In Illinois, motorcycle riders are required to carry insurance for their bikes, just like drivers of cars are. The minimum legal limits and coverages are the same for motorcycles as they are for automobiles: BI limits of 20,000/person and $40,000/accident, and PD at $15,000/accident. You can also purchase comprehensive and collision coverage for your motorcycle, as well as medical payments to cover medical care if you are in an accident. Many motorcycle insurers also offer coverage a certain amount of coverage for custom equipment and safety gear.