Do you need insurance for 200cc bike in Illinois?

Yes, you need insurance for a 200cc bike in Illinois. Illinois requires all motorcyclists to carry a minimum level of liability insurance, regardless of the size of their bike. Liability insurance helps protect you if you cause damage to someone else's property or injure someone else in a motorcycle accident. The minimum amount of liability insurance required in Illinois is $25,000/$50,000/$20,000. This means that your insurance company will pay up to $25,000 for bodily injury to one person, up to $50,000 for bodily injury to all persons injured in one accident, and up to $20,000 for property damage.

In addition to liability insurance, you may also want to consider purchasing collision and comprehensive insurance. Collision insurance helps pay for damage to your motorcycle if you are in an accident, regardless of who is at fault. Comprehensive insurance helps pay for damage to your motorcycle if it is stolen, vandalized, or damaged by a natural disaster.

The cost of motorcycle insurance in Illinois varies depending on a number of factors, including your age, driving history, type of motorcycle, and amount of coverage you choose. However, you can expect to pay around $500-$1,000 per year for motorcycle insurance in Illinois.