It’s smart to insure your motorcycle to protect it from damage and theft. To assist you in finding the best motorcycle insurance in Alabama, MoneyGeek analyzed average prices across coverage levels. We ranked the best and cheapest motorcycle insurance providers in Alabama based on their financial stability, cost and products and services offered. Shop around and compare motorcycle insurance quotes in Alabama to find the most suitable carrier for your needs.
Motorcycle Insurance in Alabama: The Cheapest Quotes and Best Companies
The Cheapest Motorcycle Insurance in Alabama
Liability-only coverage is the cheapest motorcycle insurance in Alabama. However, it’s recommended for bikers to purchase the costlier comprehensive and collision coverage since it offers higher liability limits and greater protection. In Alabama, a minimum coverage plan only includes bodily injury and property damage liability insurance. As a result, it’s better to opt for full coverage. For this study, MoneyGeek used prices for a good rider in Alabama with 50/100/25 liability-only coverage.
Cheapest Liability-Only Motorcycle Insurance Quotes in Alabama
Based on average prices, the least expensive firms for a good biker with liability-only motorcycle insurance in Alabama are:
- Markel: $58 per year
- GEICO: $70 per year
Compared to the rates of the most expensive provider Dairyland, Markel’s premiums are 58.9% cheaper.
Average Annual Premium for Liability Coverage
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- CompanyAnnual Premium
Cheapest Full Coverage Motorcycle Insurance Quotes in Alabama
A full-coverage policy with collision and comprehensive insurance offers better protection for riders in case of an accident. This plan also covers damage to your bike due to non-collision incidents, such as fire, theft or vandalism.
On average, the cheapest motorcycle insurance carriers for a good biker with a full-coverage policy that includes 50/100/25 coverage and a $500 deductible are:
- Progressive: $174 per year
- Harley-Davidson: $227 per year
The cheapest provider, Progressive, is 55.1% less expensive than the costliest company, GEICO, for full coverage. Riders making payments on their motorcycles will likely require full-coverage insurance.
Average Annual Premium for Comprehensive and Collision
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- CompanyAnnual Premium
What Is the Average Motorcycle Insurance Cost in Alabama?
The average cost of motorcycle insurance in Alabama depends on a number of factors, including age, years of riding experience, riding record, motorcycle model and coverage amounts. MoneyGeek compared average motorcycle insurance premiums from providers in Alabama for various rider profiles.
A full-coverage policy in Alabama costs $273 per year or about $23 per month. This rate is 25% cheaper or $91 less than the national average of $364 per year.
The cost of a liability-only policy in Alabama is roughly $90 per year or about $7.50 per month. This is $51 less than the national average of $141 annually. However, this coverage level will not pay for your bike or injuries if you’re at fault.
Policy coverage used to decide Alabama averages were $50,000/$100,000 bodily injury coverage with $25,000 property damage, a $500 deductible for full coverage policies and PIP (Personal Injury Protection) and uninsured motorist minimum coverage if required.
Car Insurance Costs by Coverage Type
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- Policy TypeAverage 12-Month Cost in AlabamaAverage 12-Month National CostVariance
- Full Coverage$273$364-$91
- Liability Only$90$141-$51
The Best Motorcycle Insurance Companies in Alabama
MonneyGeek ranked the companies that offer the best motorcycle insurance in Alabama based on criteria such as service quality, affordability, financial stability and products and services presented. Our methodology details our ranking criteria and weightings. Based on our research, Progressive is the top-scoring insurer in Alabama.
MoneyGeek’s data shows that the best motorcycle insurance firms in Alabama are:
- Various discount opportunities offered
- Easily get quotes and buy insurance online
- Array of extra coverage options provided
- Discounts are not available in all states
- Disappearing deductible is not available in all states
- Large Accident Forgiveness is limited to policyholders meeting certain criteria
Progressive gets the top spot in Alabama with an impressive score of 94.55 out of 100. This provider’s rate for a liability-only policy is $75 per year on average. For full coverage, it charges an average annual price of $174. Progressive offers an array of coverage features in Alabama. These include automatic coverage for OEM (original equipment manufacturer) and custom parts. It also presents accident forgiveness for certain types of accidents, so your rates will not rise if your claim is less than $500. For every claim-free policy term, the carrier reduces your deductible by 25% under the disappearing deductible feature. The enhanced injury protection coverage will pay you up to $250 a week for two years if you are incapacitated due to a covered accident. If the policyholder dies in a fatal accident, this feature will pay $25,000 to their beneficiaries.
- Multiple loyalty discount and rewards programs
- 24/7 claims filing by phone or online
- Coverage for various motorcycle types
- Lack of mobile app
- Cannot bundle motorcycle insurance with auto insurance
- Can be costlier compared to other providers
Harley-Davidson comes in second place with a MoneyGeek score of 88.85 out of 100. For a liability-only policy, this carrier charges an average of $108 per year. The cost of its full coverage package averages $227 per year in Alabama. Harley-Davidson presents multiple coverage features for various types of bikes in Alabama, including autocycles. It offers discounts to loyal customers and those who want to add a new motorcycle to their plan. Buyers of other Harley-Davidson insurance offerings such as planned maintenance also qualify for discounts. The rental reimbursement coverage feature in Alabama will help if your bike becomes non-operational after an accident. Another interesting feature is optional equipment coverage which protects improvements to your bike, including all accessories that are not factory standard. Policyholders can even get guest passenger liability coverage and roadside assistance.
- Online claim filing and payment
- Round-the-clock claims support
- Range of discounts available
- Customers are given limited tools
- Cannot bundle bike insurance with auto insurance
- Availability varies by state
Markel ranks third with a score of 85.01 out of 100. It charges an average of $58 per year for a liability-only plan in Alabama. The average cost of a full-coverage package is $334 per year. Besides regular coverages, Markel offers a range of extra features that provide added protection. By paying an extra $25 per year per unit, you can obtain trip interruption coverage and roadside assistance. For an extra $50, you can include all private passengers as well as household and non-commercial vehicles in Markel’s national roadside assistance plan. Rental reimbursement coverage in Alabama pays for rental expenses if your bike becomes non-operational for more than 24 hours because of covered accidents. Markel offers various types of discounts, including a 10% rebate for those who switch to it from another company as well as significant discounts for safe drivers.
How to Get a Motorcycle Insurance Quote in Alabama
Multiple factors determine the price of motorcycle insurance in Alabama. It pays to shop around and compare quotes to find the best and cheapest deals.
To provide an online motorcycle insurance quote, company websites typically ask for the following information:
- Your birthdate
- Your Alabama address and ZIP code
- Motorcycle year, make and model
- Riding record
- Insurance coverage elections (for more details, see below)
How Much Motorcycle Insurance Coverage Do You Need in Alabama?
Alabama law mandates that all bikers should buy motorcycle insurance with at least minimum liability-only coverage. The state’s minimum coverage requirements include:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability
How Much Insurance Coverage Is Required in Alabama?
The minimum liability-only coverage standard for all vehicles in Alabama is 25/50/25. This means your motorcycle insurance in Alabama should have liability limits of at least $25,000 for bodily injury per person, with a total of $50,000 per accident and $25,000 for property damage liability coverage. Your insurer will pay for these coverage limits if you are responsible for an accident.
Do You Need Uninsured Motorist, Underinsured Motorist or PIP Coverage in Alabama?
Alabama does not mandate motorcycle riders to have PIP (Personal Injury Protection), underinsured motorist or uninsured motorist coverage. Only bodily injury and property damage coverage are required. For extra protection, you can include these coverages depending on your requirements.
For motorcycle riders in Alabama, MoneyGeek suggests a full-coverage plan of at least 50/100/25 and even 100/300/100 because the incremental cost for this large increase is quite low.
Frequently Asked Questions About Motorcycle Insurance in Alabama
To help you find the best motorcycle insurance in Alabama, MoneyGeek answers frequently asked questions on the subject.
MoneyGeek evaluated motorcycle insurance rates directly from insurance companies based on different driver profiles and coverage amounts to help readers decide the cheapest provider in Alabama. The best motorcycle insurance carriers in the state were determined using three factors, including policy cost in Alabama (60% weighting), products and services (30% weighting) and financial stability scores from AM Best (10% weighting). We collected the most recent license laws and insurance coverage requirements in Alabama from government sources to provide accurate information.
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