Everything You Need to Know:

Motorcycle Insurance In Alabama

Looking at purchasing your first Motorcycle, and not sure where to start? A Plus Insurance is your guide!

Motorcycle Insurance in Alabama: State Requirements

Did you know that each state has certain minimum liability requirements you must carry by law? Motorcycle Insurance in Alabama is no different.

The amount varies by State, and product. Usually the state liability limits required for your car are the same limits required for your motorcycle. That being said, always check with your insurance agent to be sure.

In Alabama, you must carry Liability Limits of at least $50,000 for bodily Injury Protection, $100,000 for Property Damage, and $25,000 for Personal Injury Protection (PIP).

Of course, you can alter these limits higher, if desired, for greater coverage.

Not sure what limits are appropriate to carry? You want to match your liability limits to your assets as best you can to ensure you are properly covered in the event of an accident. Talk with one of our Insurance Agents at A Plus Insurance if you need advice, or a greater explanation of the importance. We also offer free Motorcycle Insurance quotes with several Insurance providers to offer affordable rates! 

StateState MinPIP?
Alabama25/50/25N/A

Motorcycle Insurance in Alabama: How Do You Get a Motorcycle License?

Motorcycle Safety
Alabama law requires that riders wear a helmet! Click to enlarge

So what do you need to do in order to get your motorcycle?

  1. Make sure you meet the age requirement. In Alabama, you must be age 14 or older for a restricted Class M License, and age 16 or above for a Non-Restricted Class M License.
  2. You must either pass a Motorcycle Knowledge Test or Safety Course (either is acceptable). The test must be designed by the Alabama Law Enforcement Agency, and the Safety Course must be offered by the Alabama Motorcycle Safety Program.
  3. Get your motorcycle gear! Once licensed, you are free to hit the road! But remember, by law, drivers and passengers must wear a Motorcycle Helmet at all times.

Motorcycle Insurance in Alabama: Cost for Full Coverage

The cost for Motorcycle Insurance will vary upon several factors. Insurance companies use rating factors to determine a potential risk, and therefor; calculate the premium accordingly.

Some rating factors include Driving history, driving experience, marital status, age/gender, affiliation with a Motorcycle Group, and the type of Motorcycle and coverages desired.

If you are financing a motorcycle, or own a newer motorcycle, chances are you will want to carry full coverage insurance.

Full coverage consists of Comprehensive and Collision. Comprehensive covers fire, theft, vandalism and Collision covers impact with another vehicle/object/motorcycle.

You can add extra coverage onto full coverage such as Roadside, Rental/Trip Interruption.

Many companies like Progressive, Geico and Dairyland Insurance include coverages such as Safety Riding Apparel and accessory coverage which is included in the premium. These coverages will cover the cost of any helmets, riding gear, or custom permanently attached equipment up to a specific limit.

Motorcycle Insurance in Alabama varies by the city…so check out the average full coverage rates.

Click to View Cheapest Insurance Companies by Alabama City
City in Alabama Motorcycle InsuranceAverage Monthly Rate for Full Coverage
Moody$221
Vestavia Hills$212
Gadsden$197
Tuscaloosa$177
Muscle Shoals$198
Foley$215
Calera$180
Jacksonville$213
Meadowbrook$187
Atmore$238
Pelham$221
Dothan$209
Pell City$206
Montgomery$233
Trussville$213
Helena$216
Russellville$232
Huntsville$197
Daphne$202
Saraland$195
Hoover$189
Decatur$233
Jasper$231
Birmingham$213
Mobile$221
Tillmans Corner$175
Auburn$203
Gardendale$193
Center Point$204
Enterprise$192
Scottsboro$230
Fultondale$212
Madison$179
Chelsea$207
Selma$194
Irondale$183
Mountain Brook$201
Eufaula$175
Oxford$176
Rainbow City$192
Fairhope$205
Ozark$207
Prattville$236
Prichard$188
Cullman$215
Alabaster$199
Millbrook$221
Troy$210
Athens$216
Boaz$219
Valley$213
Bessemer$226
Sheffield$235
Phenix City$192
Opelika$198
Pleasant Grove$177
Leeds$227
Alexander City$239
Northport$196
Talladega$223
Fairfield$175
Florence$202
Hueytown$194
Albertville$213
Gulf Shores$177
Sylacauga$228

Motorcycle Insurance In Alabama: Laws You Need to Know

While operating a Motorcycle can give you a sense of freedom and liberation, they can also be dangerous and deadly. This is why Alabama, and all States, have specific Motorcycle Laws to follow:

First – Class M Endorsement Drivers License Laws. You must pass the Departments of Public Safety knowledge exam or safety course to obtain a Motorcycle endorsement on your license.

Secondly- Helmet and Footwear Laws. All drivers and passengers are required to wear a proper motorcycle helmet that fits appropriately and are required to wear shoes at all times.

Motorcycle Passenger Laws. All passengers must have a designated seat and dedicated footrests, separate from the driver with a strap or firm handholds for the passenger to hold onto.

Lane Sharing Laws. In the State of Alabama, a maximum of two motorcycles may share a lane side by side, as it is deemed unsafe for any number greater than 2 to share a lane. The act of ‘lane splitting’ is illegal in Alabama, as it is in many other states, which is the action of travelling between two vehicles. 

Motorcycle Insurance in Alabama: Discounts You Might Be Missing Out On

Insurance companies offer a wide variety of discounts to help customers save money on their Motorcycle Insurance. Discounts vary with each Insurance company. Two well known companies that we work with are Progressive and Dairyland Insurance for cheap motorcycle Insurance in Alabama. Discounts are shown below. 

Dairyland Motorcycle Discounts: MC Endorsement on License, Years of riding experience, Operator’s Education Course, Operators Safety Course, Motorcycle Rider Group Discount, HOG Discount, Garaged or locked storage, vehicle usage & Mileage (pleasure, commute, etc).  Others; Homeownership Discount, Multi Lines Discount, Continuous Insurance Discount, Married discount, EFT Discount, PIF Discount 

Progressive Motorcycle Discounts: Anti lock brakes, LoJack device, education discount, approved safety course, prior insurance, association membership, multi policy, advanced quote, PIF, prompt payment, EFT, paperless, Responsible driver

If you are curious, you can always ask your agent about any of the discounts below, to see if your carrier offers it, and if you qualify.

Potential Motorcycle Insurance in Alabama Discounts
Multi Lines Discount
vehicle usage & Mileage
Homeownership Discount
education discount
PIF Discount
Anti lock brakes
Motorcycle Rider Group Discount
LoJack device
EFT Discount
advanced quote
prior insurance
approved safety course
Operators Safety Course
multi policy
Continuous Insurance Discount
Years of riding experience
HOG Discount
Responsible driver
Garaged or locked storage
association membership
MC Endorsement on License

RATING FACTORS FOR MOTORCYCLE INSURANCE IN ALABAMA 

What are rating factors?

Rating Factors are used by insurance companies to help determine the premium for customer’s based on several things.

Common motorcycle rating factors include:

  • Type of bike (engine size, year make model)
  • rider age
  • gender
  • location
  • rider experience
  • marital status
  • education level
  • occupation
  • Credit
  • driving history
  • riding frequency
  • member of recognized association & coverages

Why does age and gender matter when determining Motorcycle Insurance premiums? The more experience you have on the road, generally the better driver you are and the less likely to cause an accident. Insurance companies recognize these drivers as a safer option to insure, or low-risk. 

Motorcycle Insurance in Alabama: Cheapest Rates by City

Motorcycle prices will range differently depending upon the city in Alabama. Finding the best motorcycle insurance in Alabama is possible if you do a little research.

Cities with a higher population generally means more drivers on the road, and more likely an accident to occur. Same goes for surrounding cities…premiums are calculated based upon the amount of drivers in the area and surrounding areas. The less accidents and claims in an area, the cheaper the insurance rates will be!

Unsure what the average cost for motorcycle insurance is in your city? Check below for the cheapest insurance provider in your city. 

Click to View Cheapest Insurance Rates by Alabama City
Alabama CityCheapest Insurance Carrier
Alexander CityProgressive
ChelseaGeico
AlbertvilleGeico
DaphneProgressive
TuscaloosaDairyland
SheffieldGeico
Phenix CityFarmers
NorthportGeico
FoleyThe General
BoazThe General
MillbrookGeico
TroyProgressive
FlorenceProgressive
PelhamProgressive
SaksGeico
ScottsboroGeico
TalladegaDairyland
GardendaleProgressive
DothanGeico
Muscle ShoalsDairyland
RussellvilleProgressive
EnterpriseDairyland
SaralandProgressive
Center PointProgressive
OzarkThe General
Rainbow CityThe General
Pike RoadGeico
GadsdenFarmers
HartselleProgressive
OxfordGeico
MadisonDairyland
Gulf ShoresDairyland
JacksonvilleThe General
AtmoreProgressive
DecaturProgressive
HelenaFarmers
MontgomeryFarmers
OpelikaDairyland
SylacaugaProgressive
Mountain BrookGeico
Bay MinetteThe General
JasperFarmers
Tillmans CornerThe General
AthensDairyland
ForestdaleGeico
PrattvilleGeico
HomewoodProgressive
CaleraDairyland
FairhopeThe General
TrussvilleFarmers
PrichardProgressive
Vestavia HillsGeico

Motorcycle Insurance in Alabama: Liability Only Rates

Motorcycle Insurance in Alabama requires at least having the minimum liability limits.

What is liability Insurance and why is it required?

Liability insurance is the Minimum Required to make you legal on the road.

The liability limit you have selected will pay out to another party if you are the one At Fault in an accident. Your liability limit needs to be at least the State minimum, but can be altered for higher coverage if needed. The other person’s liability limit is what will pay out to you, if they are found At Fault in an accident. See how this works?

You can also add additional coverages onto your Insurance policy like Uninsured and Underinsured Motorist Bodily Injury protection.

These coverages are similar, but a bit different.

The Uninsured Motorist Bodily Injury Protection will pay out to you, if you are hit by an Uninsured Motorist or if it is a ‘hit and run’. This coverage is important to consider, because without someone carrying insurance, how will your bodily injury expenses be covered without coming out of your pocket?

Underinsured Motorist coverage applies if you are hit by a driver who carries lower liability limits than you do. This will help fill the gap between their liability limits and yours.

Liability Only Rates by City in Alabama

Alabama City-Best Insurance RatesAverage Monthly Liability Rates
Alabaster$104.00
Fairfield$115.00
Anniston$98.00
Decatur$104.00
Center Point$133.00
Moody$100.00
Rainbow City$122.00
Athens$131.00
Oxford$107.00
Tuscaloosa$130.00
Calera$101.00
Ozark$102.00
Auburn$122.00
Cullman$110.00
Clay$104.00
Hueytown$96.00
Irondale$105.00
Prattville$131.00
Fort Payne$121.00
Trussville$126.00
Vestavia Hills$112.00
Florence$98.00
Gulf Shores$135.00
Valley$99.00
Saks$108.00
Gardendale$103.00
Sheffield$127.00
Chelsea$128.00
Albertville$112.00
Montgomery$117.00
Muscle Shoals$117.00
Fairhope$116.00
Selma$130.00
Millbrook$116.00
Sylacauga$133.00
Pelham$133.00
Mountain Brook$101.00
Northport$125.00
Mobile$127.00
Hartselle$100.00
Bessemer$135.00
Jasper$132.00
Boaz$101.00
Scottsboro$112.00
Alexander City$123.00
Russellville$121.00
Bay Minette$126.00
Talladega$129.00
Dothan$129.00
Helena$112.00
Tillmans Corner$133.00
Huntsville$108.00
Hoover$121.00
Gadsden$105.00
Forestdale$129.00
Birmingham$120.00
Madison$104.00
Prichard$123.00
Foley$112.00
Homewood$117.00
Opelika$127.00
Atmore$130.00
Daphne$106.00

Motorcycle insurance in in Alabama: Coverage Options

Now, let’s dive into coverages!

There are so many options to choose from when it comes to finding the best rates for motorcycle insurance in Alabama.

You can opt for Liability coverage if you are not concerned about replacing your bike in the event of an At Fault Accident, and this is likely a cheaper option than full coverage. If you own an older bike that may not be worth much, it may be wise to carry liability so that you’re not paying more than what the Motorcycle is worth, in insurance.

You can carry full coverage, which is Comprehensive and Collision.

Generally, you are able to select whether you would like ACV for the bike, or Total Loss. The deductibles are usually $100, $250, $500 or $1000 which you may be subject to pay in the event of an At Fault Accident.

You can also add Roadside/Trip Interruption. This will pay for a place to stay, or transportation if you are broken down more than a certain amount of miles from your home. Carried contents coverage can be selected (usually up to $3000), and transport trailer coverage.

You can also choose to carry Disappearing Deductibles, which over time your deductible may diminish resulting in you paying less of a deductible.

Motorcycle Insurance Coverage Options
Safety riding apparel
Collision
Comprehensive
Roadside
Rental Reimbursement
Carried contents
Transport Trailer coverage
Uninsured Motorist Property damage
Diminishing Deductible
Trip Interruption
Physical Damage Plus
Medical Payments
Liability
Roadside/Trip Interruption
Uninsured Motorist Bodily Injury
Accessory Coverage
Optional Equipment
Guest Passenger Liability

Motorcycle Insurance in Alabama: Frequently Asked Questions


Do you need Insurance on a Motorcycle in Alabama? 

Yes, you will need to carry the State Minimum Liability requirements in order to be legal on the road. The Minimum limits are $50,000 for bodily Injury Protection, $100,000 for Property Damage, and $25,000 for Personal Injury Protection (PIP). 

How much is Insurance for a Motorcycle in Alabama? 

You may be surprised that Motorcycle Insurance can be very cheap. The price will vary depending mainly upon the type of coverage desired (liability or full coverage), the driver, and the type of bike. 

How to get Motorcycle Insurance in Alabama? 

First, obtain a MC Endorsement. Then, call local Insurance companies for a free quote.

We hope this information was helpful…if any of your questions were not answered…just give us a call and we are happy to get you on the road…safely and legally!

Other Alabama Insurance
Alabama Car Insurance
Alabama Home Insurance
Insurance Company Contacts
Alabama SR-22 Insurance
Why Use an Insurance Broker?

Last Updated on by Veronica Moss